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Overview / Commentary
Po 1660
Cuba, NM 87013

Cuba is headquartered in CUBA and is the 33rd largest credit union in the state of New Mexico. It is also the 4,260th largest credit union in the nation. It was established in 1972 and as of December of 2013, it had grown to 5 employees and 2,119 members. Cuba has a C+ health rating.

Field of Membership Restrictions

live or work within the school boundaries of Cuba Independent Schools or Jemez Mountain Schools, districts. - See Details

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Data for Q4 2013

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Cuba has a low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Cuba had $432,000 in non-current loans and owned real-estate with $1.96 million in equity and loan loss allowances on hand to cover it. This gives Cuba a Texas Ratio of 22.02% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Cuba increased slightly from 10.80% as of December 31, 2012 to 22.02% as of December 31, 2013, resulting in a negative change of 103.87%. This indicates that the balance sheet and financial strength for Cuba has declined slightly in recent periods.

Deposit Growth


In the past year, Cuba has increased its total deposits by $367,000, resulting in 3.86% 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 Cuba has shown is excellent.



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. Cuba has $11.76 million in assets with $1.96 million in equity, resulting in a capitalization level of 16.68%, which is excellent.

Institution Statistics

NCUA #66097
Year Chartered1972
Primary Regulator
Assets and Liabilities
Assets$11.76 million
Loans$8.10 million
Deposits$9.87 million
Equity Capital$1.88 million
Loan Loss Allowance$80,000
Unbacked Noncurrent Loans$409,000
Real Estate Owned$23,000
Historic Data - December 2012
Assets$11.26 million
Equity Capital$1.75 million
Loan Loss Allowance$72,000
Unbacked Noncurrent Loans$409,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin5.67%
Return on Assets1.11%
Return on Equity6.91%
Interest Income$559,000

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Cuba Locations
Branch Office6347 main stCUBA, NM 870131660