Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
P.O. Box 1082
Lovington, NM 88260

Estacado Credit Union is headquartered in Lovington and is the 32nd largest credit union in the state of New Mexico. It is also the 4,111st largest credit union in the nation. It was established in 1964 and as of December of 2013, it had grown to 7 employees and 2,290 members. Estacado Credit Union has a B health rating.

Field of Membership Restrictions

Must be an employee, official, volunteer or retiree to an approved Select Employee Group (SEG). - See Details

No reviews have been left for this bank yet. Be the first to review.


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. Estacado Credit Union 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 Estacado Credit Union had $228,000 in non-current loans and owned real-estate with $1.78 million in equity and loan loss allowances on hand to cover it. This gives Estacado Credit Union a Texas Ratio of 12.79% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Estacado Credit Union experienced no significant changes from 10.11% as of December 31, 2012 to 12.79% as of December 31, 2013, resulting in a negative change of 26.51%. This indicates that the balance sheet and financial strength for Estacado Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Estacado Credit Union has increased its total deposits by $1.19 million, resulting in 11.86% 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 Estacado 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. Estacado Credit Union has $12.98 million in assets with $1.78 million in equity, resulting in a capitalization level of 13.73%, which is excellent.

Institution Statistics

NCUA #66109
Year Chartered1964
Primary Regulator
Assets and Liabilities
Assets$12.98 million
Loans$8.60 million
Deposits$11.24 million
Equity Capital$1.68 million
Loan Loss Allowance$101,000
Unbacked Noncurrent Loans$228,000
Real Estate Owned$0
Historic Data - December 2012
Assets$11.58 million
Equity Capital$1.43 million
Loan Loss Allowance$156,000
Unbacked Noncurrent Loans$228,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin8.7%
Return on Assets1.95%
Return on Equity15.05%
Interest Income$794,000
Skip to rates for:

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

Estacado Credit Union Savings Account Rates

0.15%$10k$200kShare Account

Estacado Credit Union Checking Account Rates

0.00%--Share Draft (Checking) Accounts

Estacado Credit Union CD Rates

1.30%$100k$500k60 Month Jumbo Share Certificate
1.25%$500$100k60 Month Share Certificate
1.15%$100k$500k48-59 Month Jumbo Share Certificate
1.10%$500$100k48-59 Month Share Certificate
0.95%$100k$500k36-47 Month Jumbo Share Certificate
0.90%$5k$100k36-47 Month Share Certificate
0.75%$100k$500k24-35 Month Jumbo Share Certificate
0.70%$5k$100k24-35 Month Share Certificate
0.65%$100k$500k18-23 Month Jumbo Share Certificate
0.60%$5k$100k18-23 Month Share Certificate
0.55%$100k$500k12-17 Month Jumbo Share Certificate
0.50%$5k$100k12-17 Month Share Certificate
0.30%$100k$500k6-11 Month Jumbo Share Certificate
0.25%$5k$100k6-11 Month Share Certificate

Estacado Credit Union IRA Rates

1.30%$100k-60 Month Jumbo IRA
1.25%$1k$100k60 Month IRA Certificate
1.15%$100k-48-59 Month Jumbo IRA
1.10%$1k$100k48-59 Month IRA Certificate
0.95%$100k-36-47 Month Jumbo IRA
0.90%$1k$100k36-47 Month IRA Certificate
0.75%$100k-24-35 Month Jumbo IRA
0.70%$1k$100k24-35 Month IRA Certificate
0.65%$100k-18-23 Month Jumbo IRA
0.60%$1k$100k18-23 Month IRA Certificate
0.55%$100k-12-17 Month Jumbo IRA
0.50%$1k$100k12-17 Month IRA Certificate
0.30%$100k-6-11 Month Jumbo IRA
0.25%$1k$100k6-11 Month IRA Certificate

Estacado Credit Union Locations
Branch Office220 N Love StLovington, NM 88260