Credit Union Safety Analysis
Is Rincones Presbyterian Credit Union Safe? Chacon, New Mexico
Based on its Q2 2026 NCUA 5300 call report, Rincones Presbyterian Credit Union has a net worth ratio of 10.33%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.55%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Rincones Presbyterian Credit Union's net worth ratio is 10.33%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.33%
- Delinquency ratio (60+ days) (Q2 2026): 1.55%
- Return on assets (Q2 2026): 2.91%
- Loan-to-share ratio (Q2 2026): 89.48%
Rincones Presbyterian Credit Union (NCUA charter 61946, established 1974) reported $6.5M in assets and 672 members for Q2 2026 from Chacon, New Mexico. It ranks 35 of 37 credit unions in New Mexico by total assets. Total assets grew 6.9% from $6.1M on June 30, 2025. It has 79 fewer members than on June 30, 2025 (-10.5%). Its net worth ratio was up 0.60 percentage points from 9.73% on June 30, 2025. Used vehicle loans are its largest loan category, $2.7M of $5.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.55% 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: 10.15% for Q1 2026; 9.73% 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: 1.40% for Q1 2026; 1.27% 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: 0.64% for Q1 2026; 0.75% 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: 91.09% for Q1 2026; 89.13% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $2.7M
- New vehicle loans: $1.3M
- Other secured non-real estate loans and lines of credit: $1.2M
- Other unsecured loans and lines of credit: $92K
- 1- to 4-family residential and other consumer real estate loans: $5K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $6.5M | 10.33% | 1.55% | 2.91% | 89.48% |
| March 31, 2026 | $6.2M | 10.15% | 1.40% | 0.64% | 91.09% |
| December 31, 2025 | $5.8M | 10.59% | 0.52% | 0.73% | 94.55% |
| September 30, 2025 | $5.9M | 10.32% | 0.04% | 0.84% | 87.79% |
| June 30, 2025 | $6.1M | 9.73% | 1.27% | 0.75% | 89.13% |
| March 31, 2025 | $5.9M | 9.85% | — | 0.19% | 91.83% |
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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.
Rincones Presbyterian Credit Union profile
Regulator records: NCUA credit union profile (charter 61946) · FFIEC NIC profile (RSSD 818296)
Frequently asked questions
Is Rincones Presbyterian Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Rincones Presbyterian Credit Union's net worth ratio is 10.33%, above the 7% NCUA threshold for well capitalized.
Is Rincones Presbyterian Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Rincones Presbyterian Credit Union is a federally insured credit union (NCUA charter 61946): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Rincones Presbyterian Credit Union's key safety ratios?
For Q2 2026, Rincones Presbyterian Credit Union reports net worth 10.33%, delinquency 1.55%, ROA 2.91%, loan-to-share 89.48%.
What happens to my money if Rincones Presbyterian Credit Union fails?
For Q2 2026, Rincones Presbyterian Credit Union held $5.8M in shares and deposits for 672 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.