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Overview / Commentary
3601 Mimbres Ln
Santa Fe, NM 87507-2891

Guadalupe CU (NM) is headquartered in Santa Fe and is the 12st largest credit union in the state of New Mexico. It is also the 1,240th largest credit union in the nation. It was established in 1948 and as of March of 2014, it had grown to 62 employees and 14,566 members. Guadalupe CU (NM) has a B+ health rating.

Field of Membership Restrictions

You are invited to join Guadalupe Credit Union if you live or work in Santa Fe, San Miguel, Mora, Rio Arriba, Torrance, or Taos County, or if you have a family member who belongs to GCU. - 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 Guadalupe CU (NM) had $2.5 million in non-current loans and owned real-estate with $13.17 million in equity and loan loss allowances on hand to cover it. This gives Guadalupe CU (NM) a Texas Ratio of 19.00% 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 Guadalupe CU (NM) decreased dramatically from 28.58% as of March 31, 2013 to 19.00% as of March 31, 2014, resulting in a positive change of 33.54%.This indicates that the balance sheet and financial strength for Guadalupe CU (NM) has improved dramatically in recent periods.

Deposit Growth


In the past year, Guadalupe CU (NM) has increased its total deposits by $4.21 million, resulting in 3.56% 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.



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 $135.37 million in assets with $13.17 million in equity, resulting in a capitalization level of 9.73%, which is above average.

Institution Statistics

NCUA #66149
Year Chartered1948
Primary Regulator
Assets and Liabilities
Assets$135.37 million
Loans$98.18 million
Deposits$122.62 million
Equity Capital$11.50 million
Loan Loss Allowance$1.68 million
Unbacked Noncurrent Loans$1.88 million
Real Estate Owned$627,000
Historic Data - March 2013
Assets$129.78 million
Equity Capital$10.66 million
Loan Loss Allowance$1.29 million
Unbacked Noncurrent Loans$1.88 million
Real Estate Owned$864,000
Profit Margin - Quarterly
Net Interest Margin1.65%
Return on Assets0.37%
Return on Equity4.38%
Interest Income$1.64 million

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Guadalupe CU (NM) Savings Account Rates

0.45%$100-IRA Club Savings
0.05%$100-Membership Savings
0.05%--Christmas Club
0.05%--Special Savings Club
0.05%--Systematic Club Account
0.05%$100-Youth Savings

Guadalupe CU (NM) Money Market Rates

0.40%$100k-Premier Money Market
0.25%$50k-Money Market

Guadalupe CU (NM) Checking Account Rates

0.10%$1k-Investment Checking

Guadalupe CU (NM) CD Rates

1.25%--48 Month Age 65+ CD
1.15%$1k-48 Month CD
1.10%--36 Month Age 65+ CD
1.00%$500-36 Month CD
0.95%$1k-27 Month CD
0.90%--24 Month Age 65+ CD
0.80%$500-24 Month CD
0.55%$1k-13 Month CD
0.50%--12 Month Age 65+ CD
0.50%$250-12 Month Youth Starter CD
0.50%--18 Month Direct Deposit CD
0.45%$500-12 Month CD
0.45%$1k-7 Month CD
0.40%--6 Month Age 65+ CD
0.35%$500-6 Month CD
0.25%--3 Month Age 65+ CD
0.20%$500-3 Month CD

Guadalupe CU (NM) IRA Rates

0.95%$500-24 Month IRA
0.70%$500-18 Month Direct Deposit IRA
0.60%$500-12 Month IRA

Guadalupe CU (NM) Locations
Branch Office115 La Posta Rd Ste CTaos, NM 87571
Branch Office3601 Mimbres LnSanta Fe, NM 87507-2891
Branch Office3721 Academy RoadSanta Fe, NM 87507
Branch Office1101 Don Diego AveSanta Fe, NM 87505