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Overview / Commentary
3286 Cerrillos Rd
Santa Fe, NM 87507

Del Norte Credit Union is headquartered in Santa Fe and is the 6th largest credit union in the state of New Mexico. It is also the 479th largest credit union in the nation. It was established in 1954 and as of March of 2014, it had grown to 106 employees and 39,866 members. Del Norte Credit Union has a A+ health rating.

Field of Membership Restrictions

Membership in Del Norte Credit Union shall be limited to those having a common bond of association, occupation, or residence as follows: employees of the Los Alamos National Laboratory (LANL); other personnel assigned to LANL; persons living or working in Los Alamos, Santa Fe, Rio Arriba, Sandoval, Taos, Colfax, Union, Harding, Mora, San Miguel, Torrance, Guadalupe, Quay, or Chaves Counties, New Mexico, the township of Bernalillo, the Village of Corrales, or the City of Rio Rancho; persons in contiguous states that are living or working within 150 miles of Raton, subject to the rules and regulations of those contiguous states; employees of this credit union; members of the immediate families of such persons; organizations composed principally of such persons; Members of Keep New Mexico Beautiful, and any other chartered credit unions. - See Details

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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 Del Norte Credit Union had $944,000 in non-current loans and owned real-estate with $56.34 million in equity and loan loss allowances on hand to cover it. This gives Del Norte Credit Union a Texas Ratio of 1.68% 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 Del Norte Credit Union decreased dramatically from 5.39% as of March 31, 2013 to 1.68% as of March 31, 2014, resulting in a positive change of 68.92%.This indicates that the balance sheet and financial strength for Del Norte Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Del Norte Credit Union has increased its total deposits by $22.19 million, resulting in 5.65% 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 Del Norte Credit Union 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. Del Norte Credit Union has $474.41 million in assets with $56.34 million in equity, resulting in a capitalization level of 11.88%, which is excellent.

Institution Statistics

NCUA #64759
Year Chartered1954
Primary Regulator
Assets and Liabilities
Assets$474.41 million
Loans$305.55 million
Deposits$414.81 million
Equity Capital$53.60 million
Loan Loss Allowance$2.74 million
Unbacked Noncurrent Loans$909,000
Real Estate Owned$35,000
Historic Data - March 2013
Assets$449.05 million
Equity Capital$50.06 million
Loan Loss Allowance$3.47 million
Unbacked Noncurrent Loans$909,000
Real Estate Owned$669,000
Profit Margin - Quarterly
Return on Assets0.86%
Return on Equity7.64%
Interest Income$3.69 million

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Del Norte Credit Union Savings Account Rates

0.20%--IRA Savings Account
0.20%--Share Certificate Builder Account
0.15%$2k-Share Savings Account

Del Norte Credit Union Money Market Rates

0.25%$100k-Money Market Share Draft Checking Account
0.25%$100k-Money Market Share Account

Del Norte Credit Union Checking Account Rates

0.05%$1k-Preferred Share Draft Checking Account
0.05%$1k-Preferred Plus Share Draft Checking Account
0.05%$1k-Preferred Plus Senior Share Draft Checking Account

Del Norte Credit Union CD Rates

0.80%$100k-48 Month Share Certificate
0.60%$100k-36 Month Share Certificate
0.50%$100k-30 Month Share Certificate
0.40%$100k-24 Month Share Certificate
0.35%$100k-18 Month Share Certificate
0.30%$100k-12 Month Share Certificate
0.25%$100k-9 Month Share Certificate
0.20%$100k-3 Month Share Certificate
0.20%$100k-6 Month Share Certificate

Del Norte Credit Union IRA Rates

0.80%$100k-48 Month IRA Certificate
0.60%$100k-36 Month IRA Certificate
0.50%$100k-30 Month IRA Certificate
0.40%$100k-24 Month IRA Certificate
0.35%$100k-18 Month IRA Certificate
0.30%$100k-12 Month IRA Certificate
0.25%$100k-9 Month IRA Certificate
0.20%$100k-3 Month IRA Certificate
0.20%$100k-6 Month IRA Certificate

Del Norte Credit Union Locations
Branch Office403 W Cordova RdSanta Fe, NM 87505-1811
Branch Office1216 N Paseo de OnateEspanola, NM 87532
Branch Office3286 Cerrillos RdSanta Fe, NM 87507
Branch Office35 Rover Blvd Ste TWhite Rock, NM 87544
Branch Office3286 Cerrillos RdSanta Fe, NM 87507
Branch Office510 N Guadalupe St Ste ASanta Fe, NM 87501-6510
Branch Office1000 Trinity DrLos Alamos, NM 87544