Guadalupe CU (NM)

Guadalupe CU (NM) is headquartered in SANTA FE and is the 13^st largest credit union in the state of New Mexico. It is also the 1,316^st largest credit union in the nation. It was established in 1948 and as of December of 2011, it had grown to 53 employees and 12,405 members. Guadalupe CU (NM)'s savings rates are 73% higher than the national average, and it has a 3-star health rating.

Guadalupe CU (NM) Checking Account Rates

Guadalupe CU (NM) Savings Account Rates

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Data for Q4 2011

Institution Statistics GUADALUPE NCUA # 66149 BankRate Report View Year Chartered 1948 Employees 53 Primary Regulator Assets and Liabilities Assets $112.70 million Loans $88.88 million Deposits $103.16 million Equity Capital $9.22 million Loan Loss Allowance $1.34 million Unbacked Noncurrent Loans $1.93 million Real Estate Owned $1.51 million Historic Data - December 2010 Assets $101.87 million Equity Capital $8.28 million Loan Loss Allowance $1.23 million Unbacked Noncurrent Loans $2.21 million Real Estate Owned $668,000 Profit Margin - Quarterly Net Interest Margin 6.73% Return on Assets 1.05% Return on Equity 12.79% Interest Income $6.72 million Non-Interest Income $1.47 million

Institution Health Overall Score: 3 out of 5 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, 2011 Guadalupe CU (NM) had $3.43 million in non-current loans and owned real-estate with $10.56 million in equity and loan loss allowances on hand to cover it. This gives Guadalupe CU (NM) a Texas Ratio of 32.51% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Guadalupe CU (NM) held steady from 30.31% as of December 31, 2010 to 32.51% as of December 31, 2011, resulting in a negative change of 7.26%. This indicates that the balance sheet and financial strength for Guadalupe CU (NM) has held steady in recent periods. Deposit Growth In the past year, Guadalupe CU (NM) has increased its total deposits by $10.37 million, resulting in 11.17% 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 Guadalupe CU (NM) has shown is excellent. Capitalization 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. Guadalupe CU (NM) has $112.7 million in assets with $10.56 million in equity, resulting in a capitalization level of 9.37%, which is average.

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