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Overview / Commentary
2101 E 20th St
Farmington, NM 87401-8901

Animas Credit Union is headquartered in Farmington and is the 14st largest credit union in the state of New Mexico. It is also the 1,300th largest credit union in the nation. It was established in 1956 and as of March of 2014, it had grown to 41 employees and 14,637 members. Animas Credit Union's savings rates are 25% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Must live or work in San Juan County, New Mexico. - See Details

Reviews (1)

Great friendly environment.

Animas Credit Union has been my choice for nearly 8 years now. I have had very few issues and all of them have been taken care of promptly. I would and do recommend this credit union to everyone I know looking for a new institution. The website is a little clunky and as far as I am aware there is no mobile app, but it's a small price to pay to avoid the hidden fees of larger institutions.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Animas Credit Union had $166,000 in non-current loans and owned real-estate with $10.21 million in equity and loan loss allowances on hand to cover it. This gives Animas Credit Union a Texas Ratio of 1.63% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Animas Credit Union experienced no significant changes from 1.66% as of March 31, 2013 to 1.63% as of March 31, 2014, resulting in a positive change of 1.76%.This indicates that the balance sheet and financial strength for Animas Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Animas Credit Union has decreased its total deposits by $-517,000, resulting in -0.44% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Animas Credit Union has shown is average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Animas Credit Union has $126.23 million in assets with $10.21 million in equity, resulting in a capitalization level of 8.09%, which is average.

Institution Statistics

NCUA #66142
Year Chartered1956
Primary Regulator
Assets and Liabilities
Assets$126.23 million
Loans$73.61 million
Deposits$115.71 million
Equity Capital$10.05 million
Loan Loss Allowance$158,000
Unbacked Noncurrent Loans$166,000
Real Estate Owned$0
Historic Data - March 2013
Assets$126.11 million
Equity Capital$9.30 million
Loan Loss Allowance$364,000
Unbacked Noncurrent Loans$166,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.11%
Return on Assets0.59%
Return on Equity7.36%
Interest Income$910,000

Always verify rates and promotions with the bank or credit union. We are not Animas Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Animas Credit Union Savings Account Rates

0.65%--IRA Savings
0.65%--Roth IRA Savings
0.65%--CESA Savings
0.30%$75k-Primary Tiered Savings
0.30%$75k-Kid's Club
0.30%$75k-Holiday Club

Animas Credit Union Money Market Rates

0.30%$75k-Money Market Checking

Animas Credit Union Checking Account Rates

0.10%--Animas Advantage Checking
0.05%--Interest Checking

Animas Credit Union CD Rates

0.75%$500-60 Month CD
0.48%$500-48-59 Month CD
0.25%$500-36-47 Month CD
0.15%$500-24-35 Month CD
0.12%$500-18-23 Month CD
0.08%$500-12-17 Month CD
0.07%$500-6-11 Month CD

Animas Credit Union IRA Rates

0.75%$500-60 Month IRA
0.48%$500-48-59 Month IRA
0.25%$500-36-47 Month IRA
0.15%$500-24-35 Month IRA
0.12%$500-18-23 Month IRA
0.08%$500-12-17 Month IRA
0.07%$500-6-11 Month IRA

Animas Credit Union Locations
Branch Office2101 E 20th StFarmington, NM 87401-8901
Branch Office3850 E Main StFarmington, NM 87402-8726
Branch Office403 W Broadway AveBloomfield, NM 87413