Roswell Community Federal Credit Union Roswell, New Mexico
Roswell Community Federal Credit Union is a federal credit union headquartered in Roswell, NM, established in 1953 (NCUA charter 9093), and it is regulated and insured by the NCUA. At Q2 2026 it reported 3,474 members and total assets of $50.3M (up 0.3% from Q2 2025), the 21st largest of 37 credit unions headquartered in New Mexico. Its net worth ratio was 16.82% at Q2 2026, in the well capitalized band.
Also written as Roswell Community FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 9093
- Headquarters
- Roswell, NM
- Established
- 1953
- Total assets, Q2 2026
- $50.3M
- Assets vs Q2 2025
- +0.3%
- Members, Q2 2026
- 3,474
- Net worth ratio, Q2 2026
- 16.82%
- Latest call report
- Q2 2026, NCUA 5300 · Roswell Community Federal Credit Union call report
- Asset rank in state
- 21st of 37 in New Mexico
- Routing number
- 312276409
- Branches
- 2
It has 245 fewer members than on June 30, 2025 (-6.6%). Its net worth ratio was down 0.76 percentage points from 17.58% on June 30, 2025. Used vehicle loans are its largest loan category, $12.6M of $34.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.39% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 16.82% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in New Mexico
Credit unions merged into Roswell Community Federal Credit Union
Frequently asked about Roswell Community Federal Credit Union
How big is Roswell Community Federal Credit Union?
At Q2 2026 it reported total assets of $50.3M and 3,474 members.
Where is Roswell Community Federal Credit Union headquartered?
It is headquartered in Roswell, NM, United States.
When was Roswell Community Federal Credit Union founded?
It was established in 1953, per NCUA records.
Is Roswell Community Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 9093): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Roswell Community Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Roswell Community Federal Credit Union well capitalized?
Its net worth ratio was 16.82% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Roswell Community Federal Credit Union's delinquency ratio?
Its delinquency ratio was 1.39% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Roswell Community Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 87.15% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Roswell, NM 88201
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1953
- NCUA Charter #
- 9093
- RSSD ID
- 112387
- Members
- 3,474
- Potential members
- 50,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 3 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 16.82% | 14.31% | 62nd above |
| Return on assets Middle half of peers: 0.16% to 1.30% | 2.45% | 0.72% | over 90th top |
| Return on equity Middle half of peers: 1.04% to 8.69% | 14.59% | 4.74% | over 90th top |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.44% | 3.93% | 71st above |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 55.79% | 79.83% | over 90th top |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.47% | 0.78% | 18th bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 1.39% | 0.86% | 38th below |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.91% | 4.70% | 87th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 87.15% | 58.92% | 88th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$50.3M total assets against $50.1M; $39.9M total shares and deposits against $40.9M; $34.8M total loans against $36.6M.
$8.5M net worth against $8.8M.
16.82% net worth ratio against 17.58%.
87.15% loan-to-share ratio against 89.56%.
1.39% delinquency ratio against 0.61%.
2.45% return on assets against 2.19%; 14.59% return on equity against 12.43%.
4.44% net interest margin against 4.19%.
3,474 members against 3,719.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 16.82% | 2.45% | 1.39% | 87.15% |
| March 31, 2026 | 16.18% | 2.71% | 0.53% | 87.32% |
| December 31, 2025 | 18.81% | 1.79% | 0.77% | 89.47% |
| September 30, 2025 | 18.46% | 2.61% | 1.00% | 91.15% |
| June 30, 2025 | 17.58% | 2.19% | 0.61% | 89.56% |
| March 31, 2025 | 17.18% | 2.23% | 0.65% | 89.74% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.