Credit Union Safety Analysis
Is Questa Credit Union Safe? Questa, New Mexico
Based on its Q2 2026 NCUA 5300 call report, Questa Credit Union has a net worth ratio of 23.28%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 2.08%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of Questa Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, Questa Credit Union's net worth ratio is 23.28%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 23.28%
- Delinquency ratio (60+ days) (Q2 2026): 2.08%
- Return on assets (Q2 2026): 3.19%
- Loan-to-share ratio (Q2 2026): 83.02%
Questa Credit Union (NCUA charter 66252, established 1959) reported $32.6M in assets and 2,129 members for Q2 2026 from Questa, New Mexico. It ranks 25 of 37 credit unions in New Mexico by total assets. Total assets grew 9.0% from $29.9M on June 30, 2025. It has 57 fewer members than on June 30, 2025 (-2.6%). Its net worth ratio was up 2.20 percentage points from 21.08% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $6.9M of $19.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 2.08% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 22.46% for Q1 2026; 21.08% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 2.22% for Q1 2026; 2.26% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 3.27% for Q1 2026; 2.57% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 80.23% for Q1 2026; 79.35% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $6.9M
- Used vehicle loans: $3.9M
- Other secured non-real estate loans and lines of credit: $3.9M
- New vehicle loans: $3.7M
- Other unsecured loans and lines of credit: $959K
- Commercial loans: $203K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $32.6M | 23.28% | 2.08% | 3.19% | 83.02% |
| March 31, 2026 | $32.0M | 22.46% | 2.22% | 3.27% | 80.23% |
| December 31, 2025 | $31.3M | 21.75% | 2.12% | 2.82% | 77.00% |
| September 30, 2025 | $30.4M | 21.18% | 3.17% | 2.24% | 77.43% |
| June 30, 2025 | $29.9M | 21.08% | 2.26% | 2.57% | 79.35% |
| March 31, 2025 | $28.7M | 21.77% | 0.17% | 2.02% | 79.66% |
Add this badge to your website
Free to use. It shows Questa Credit Union’s latest filed figures and updates each quarter.
How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 66252) · FFIEC NIC profile (RSSD 739896)
Frequently asked questions
Is Questa Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Questa Credit Union's net worth ratio is 23.28%, above the 7% NCUA threshold for well capitalized.
Is Questa Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Questa Credit Union is a federally insured credit union (NCUA charter 66252): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Questa Credit Union's key safety ratios?
For Q2 2026, Questa Credit Union reports net worth 23.28%, delinquency 2.08%, ROA 3.19%, loan-to-share 83.02%.
What happens to my money if Questa Credit Union fails?
For Q2 2026, Questa Credit Union held $23.7M in shares and deposits for 2,129 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.