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Overview / Commentary
P.O. Box 1023
Tucumcari, NM 88401

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 3,192nd largest credit union in the nation. It was established in 1954 and as of December of 2013, it had grown to 18 employees and 4,836 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 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. Everyone's 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 Everyone's Credit Union had $67,000 in non-current loans and owned real-estate with $4.11 million in equity and loan loss allowances on hand to cover it. This gives Everyone's 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 Everyone's Credit Union decreased dramatically from 3.92% as of December 31, 2012 to 1.63% as of December 31, 2013, resulting in a positive change of 58.43%.This indicates that the balance sheet and financial strength for Everyone's Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Everyone's Credit Union has increased its total deposits by $641,000, resulting in 3.2% 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 $24.98 million in assets with $4.11 million in equity, resulting in a capitalization level of 16.46%, which is excellent.

Institution Statistics

NCUA #9370
Year Chartered1954
Primary Regulator
Assets and Liabilities
Assets$24.98 million
Loans$13.74 million
Deposits$20.66 million
Equity Capital$3.68 million
Loan Loss Allowance$434,000
Unbacked Noncurrent Loans$67,000
Real Estate Owned$0
Historic Data - December 2012
Assets$23.94 million
Equity Capital$3.48 million
Loan Loss Allowance$501,000
Unbacked Noncurrent Loans$67,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin7.92%
Return on Assets0.94%
Return on Equity6.36%
Interest Income$1.22 million
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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 (Traditional,CESA,Roth)
1.00%$100k-13 Month IRA Share Certificate (Traditional,CESA,Roth)
0.85%$100k-9 Month IRA Share Certificate (Traditional,CESA,Roth)
0.80%$500-12 Month IRA Share Certificate (Traditional,CESA,Roth)
0.76%$50k-6 Month IRA Share Certificate (Traditional,CESA,Roth)

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