Sandia Area Federal Credit Union Albuquerque, New Mexico
Sandia Area Federal Credit Union is a federal credit union headquartered in Albuquerque, NM, established in 1956 (NCUA charter 11316), and it is regulated and insured by the NCUA. At Q2 2026 it reported 71,392 members and total assets of $1.43B (up 7.2% from Q2 2025), the 5th largest of 37 credit unions headquartered in New Mexico. Its net worth ratio was 11.44% at Q2 2026, in the well capitalized band.
Also written as Sandia Area FCU · Trade name filed with the NCUA: Sandia Area
BankRegReports is independent of Sandia Area Federal Credit Union and never asks for online banking logins or passwords.
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
- 11316
- Headquarters
- Albuquerque, NM
- Established
- 1956
- Total assets, Q2 2026
- $1.43B
- Assets vs Q2 2025
- +7.2%
- Members, Q2 2026
- 71,392
- Net worth ratio, Q2 2026
- 11.44%
- Latest call report
- Q2 2026, NCUA 5300 · Sandia Area Federal Credit Union call report
- Asset rank in state
- 5th of 37 in New Mexico
- Routing number
- 307070047
- Branches
- 8
It has 26,166 fewer members than on June 30, 2025 (-26.8%). Its net worth ratio was up 0.51 percentage points from 10.93% on June 30, 2025. Used vehicle loans are its largest loan category, $459.3M of $1.25B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.15% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 11.44% net worth ratio is above that band's 10.89% median.
Credit unions merged into Sandia Area Federal Credit Union
Permaculture Credit Union (2014)
Frequently asked about Sandia Area Federal Credit Union
How big is Sandia Area Federal Credit Union?
At Q2 2026 it reported total assets of $1.43B and 71,392 members.
Where is Sandia Area Federal Credit Union headquartered?
It is headquartered in Albuquerque, NM, United States.
When was Sandia Area Federal Credit Union founded?
It was established in 1956, per NCUA records.
Is Sandia Area Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 11316): 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 Sandia Area Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Sandia Area Federal Credit Union well capitalized?
Its net worth ratio was 11.44% 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 Sandia Area Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.15% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Sandia Area Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 99.81% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Albuquerque, NM 87109
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1956
- NCUA Charter #
- 11316
- RSSD ID
- 534783
- Members
- 71,392
- Potential members
- 898,912
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 11.44% | 10.89% | 58th above |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.22% | 0.89% | 73rd above |
| Return on equity Middle half of peers: 5.37% to 10.92% | 10.67% | 8.07% | 73rd above |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.22% | 3.45% | 36th below |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 61.29% | 70.59% | 79th top |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.92% | 1.68% | 31st below |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.15% | 0.68% | over 90th top |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.14% | 5.12% | 51st position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 99.81% | 88.03% | 85th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.43B total assets against $1.33B; $1.25B total shares and deposits against $1.17B; $1.25B total loans against $1.16B.
$163.1M net worth against $145.4M.
11.44% net worth ratio against 10.93%.
99.81% loan-to-share ratio against 98.63%.
0.15% delinquency ratio against 0.14%.
1.22% return on assets against 1.30%; 10.67% return on equity against 11.85%.
3.22% net interest margin against 3.05%.
71,392 members against 97,558.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.44% | 1.22% | 0.15% | 99.81% |
| March 31, 2026 | 11.23% | 1.21% | 0.18% | 97.75% |
| December 31, 2025 | 11.11% | 1.23% | 0.20% | 98.51% |
| September 30, 2025 | 11.12% | 1.50% | 0.13% | 100.25% |
| June 30, 2025 | 10.93% | 1.30% | 0.14% | 98.63% |
| March 31, 2025 | 10.77% | 1.16% | 0.14% | 97.60% |
Scroll sideways to see every column.
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.