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Overview / Commentary
901 N Canal St
Carlsbad, NM 88220-5109

Internationalites Credit Union is headquartered in Carlsbad and is the 34th largest credit union in the state of New Mexico. It is also the 4,530th largest credit union in the nation. It was established in 1950 and as of March of 2014, it had grown to 4 employees and 1,222 members. Internationalites Credit Union's savings rates are 92% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Must be an employee of Mosaic Potash Carlsbad Inc, Willbros Carlsbad or Intrepid Potash. - 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. Internationalites Credit Union has a very 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 Internationalites Credit Union had $3,000 in non-current loans and owned real-estate with $1.55 million in equity and loan loss allowances on hand to cover it. This gives Internationalites Credit Union a Texas Ratio of 0.19% 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 Internationalites Credit Union experienced no significant changes from 0.14% as of March 31, 2013 to 0.19% as of March 31, 2014, resulting in a negative change of 40.43%. This indicates that the balance sheet and financial strength for Internationalites Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Internationalites Credit Union has increased its total deposits by $960,000, resulting in 13.58% 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 Internationalites 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. Internationalites Credit Union has $9.57 million in assets with $1.55 million in equity, resulting in a capitalization level of 16.20%, which is excellent.

Institution Statistics

NCUA #7027
Year Chartered1950
Primary Regulator
Assets and Liabilities
Assets$9.57 million
Loans$4.91 million
Deposits$8.03 million
Equity Capital$1.51 million
Loan Loss Allowance$40,000
Unbacked Noncurrent Loans$3,000
Real Estate Owned$0
Historic Data - March 2013
Assets$8.52 million
Equity Capital$1.42 million
Loan Loss Allowance$36,000
Unbacked Noncurrent Loans$3,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.65%
Return on Assets0.63%
Return on Equity3.97%
Interest Income$92,000
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Internationalites Credit Union Savings Account Rates

1.00%$30-Christmas Club
0.50%$10k-Savings Account

Internationalites Credit Union CD Rates

1.00%$20k-12 Month Share Certificate
0.75%$1k-12 Month Share Certificate
0.50%$1k-6 Month Share Certificate

Internationalites Credit Union Locations
Branch Office901 N Canal StCarlsbad, NM 88220-5109