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Overview / Commentary
505 E Route 66 Blvd
Tucumcari, NM 88401-3137

Everyone's Credit Union is headquartered in Tucumcari and is the 24th largest credit union in the state of New Mexico. It is also the 3,163rd largest credit union in the nation. It was established in 1954 and as of March of 2014, it had grown to 18 employees and 4,842 members. Everyone's Credit Union's savings rates are 2X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Must live or work in Quay, Guadalupe or Union County. - See Details

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Data for Q1 2014

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. Everyone's Credit Union has a low asset base.

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 Everyone's Credit Union had $57,000 in non-current loans and owned real-estate with $4.17 million in equity and loan loss allowances on hand to cover it. This gives Everyone's Credit Union a Texas Ratio of 1.37% 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 Everyone's Credit Union decreased slightly from 1.93% as of March 31, 2013 to 1.37% as of March 31, 2014, resulting in a positive change of 28.98%.This indicates that the balance sheet and financial strength for Everyone's Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, Everyone's Credit Union has increased its total deposits by $1.28 million, resulting in 6.27% 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 Everyone's 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. Everyone's Credit Union has $26.3 million in assets with $4.17 million in equity, resulting in a capitalization level of 15.84%, which is excellent.

Institution Statistics

NCUA #9370
Year Chartered1954
Primary Regulator
Assets and Liabilities
Assets$26.30 million
Loans$14.13 million
Deposits$21.79 million
Equity Capital$3.74 million
Loan Loss Allowance$423,000
Unbacked Noncurrent Loans$57,000
Real Estate Owned$0
Historic Data - March 2013
Assets$24.61 million
Equity Capital$3.52 million
Loan Loss Allowance$483,000
Unbacked Noncurrent Loans$57,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.73%
Return on Assets1%
Return on Equity7.05%
Interest Income$277,000
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Everyone's Credit Union Savings Account Rates

1.05%$50-IRA Share Account
1.05%$50-Roth IRA Share Account
1.05%$50-Coverdell ESA Share Account
0.65%$50k-Regular Share Savings Account

Everyone's Credit Union Checking Account Rates

0.15%--Share Draft Account

Everyone's Credit Union CD Rates

1.10%$100k-25 Month Share Certificate
1.00%$100k-13 Month Share Certificate
0.85%$100k-9 Month Share Certificate
0.80%$500-12 Month Share Certificate
0.76%$50k-6 Month Share Certificate

Everyone's Credit Union IRA Rates

1.10%$100k-25 Month IRA Share Certificate
1.00%$100k-13 Month IRA Share Certificate
0.85%$100k-9 Month IRA Share Certificate
0.80%$500-12 Month IRA Share Certificate
0.76%$50k-6 Month IRA Share Certificate

Everyone's Credit Union Locations
Branch Office944 Historic Route 66Santa Rosa, NM 88435
Branch Office483 Wells Street, Ste. #2Vaughn, NM 88353
Branch Office505 E Route 66 BlvdTucumcari, NM 88401-3137