Credit Union Safety Analysis
Is U-1ST Community Federal Credit Union Safe? Carlsbad, New Mexico
Based on its Q2 2026 NCUA 5300 call report, U-1ST Community Federal Credit Union has a net worth ratio of 14.38%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.24%, 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, U-1ST Community Federal Credit Union's net worth ratio is 14.38%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 14.38%
- Delinquency ratio (60+ days) (Q2 2026): 0.24%
- Return on assets (Q2 2026): -3.72%
- Loan-to-share ratio (Q2 2026): 74.95%
U-1ST Community Federal Credit Union (NCUA charter 10580, established 1955) reported $9.3M in assets and 826 members for Q2 2026 from Carlsbad, New Mexico. It ranks 32 of 37 credit unions in New Mexico by total assets. Total assets fell 5.1% from $9.8M on June 30, 2025. It has 35 fewer members than on June 30, 2025 (-4.1%). Its net worth ratio was up 0.21 percentage points from 14.17% on June 30, 2025. Used vehicle loans are its largest loan category, $2.4M of $6.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.24% is below 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: 14.97% for Q1 2026; 14.17% 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: 0.15% for Q1 2026; 0.20% 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: 0.77% for Q1 2026; 0.42% 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: 70.24% for Q1 2026; 71.63% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $2.4M
- Other secured non-real estate loans and lines of credit: $1.3M
- New vehicle loans: $1.3M
- Other unsecured loans and lines of credit: $632K
- Unsecured credit card loans: $322K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $9.3M | 14.38% | 0.24% | -3.72% | 74.95% |
| March 31, 2026 | $9.5M | 14.97% | 0.15% | 0.77% | 70.24% |
| December 31, 2025 | $9.5M | 14.88% | 0.25% | -0.52% | 76.28% |
| September 30, 2025 | $9.5M | 14.95% | 2.06% | 1.22% | 73.78% |
| June 30, 2025 | $9.8M | 14.17% | 0.20% | 0.42% | 71.63% |
| March 31, 2025 | $9.5M | 14.48% | 0.58% | 1.05% | 72.43% |
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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.
U-1ST Community Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 10580) · FFIEC NIC profile (RSSD 195483)
Frequently asked questions
Is U-1ST Community Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, U-1ST Community Federal Credit Union's net worth ratio is 14.38%, above the 7% NCUA threshold for well capitalized.
Is U-1ST Community Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. U-1ST Community Federal Credit Union is a federally insured credit union (NCUA charter 10580): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are U-1ST Community Federal Credit Union's key safety ratios?
For Q2 2026, U-1ST Community Federal Credit Union reports net worth 14.38%, delinquency 0.24%, ROA -3.72%, loan-to-share 74.95%.
What happens to my money if U-1ST Community Federal Credit Union fails?
For Q2 2026, U-1ST Community Federal Credit Union held $8.0M in shares and deposits for 826 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.