Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
901 N Canal St
Carlsbad, NM 88220

Internationalites Credit Union is headquartered in Carlsbad and is the 34th largest credit union in the state of New Mexico. It is also the 4,581st largest credit union in the nation. It was established in 1950 and as of December of 2013, it had grown to 4 employees and 1,214 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. or Intrepid Potash. - See Details

No reviews have been left for this bank yet. Be the first to review.


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. Internationalites Credit Union has a very 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 Internationalites Credit Union had $27,000 in non-current loans and owned real-estate with $1.53 million in equity and loan loss allowances on hand to cover it. This gives Internationalites Credit Union a Texas Ratio of 1.76% 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 0.28% as of December 31, 2012 to 1.76% as of December 31, 2013, resulting in a negative change of 527.92%. 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 $816,000, resulting in 12.22% 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 $9.03 million in assets with $1.53 million in equity, resulting in a capitalization level of 16.98%, which is excellent.

Institution Statistics

NCUA #7027
Year Chartered1950
Primary Regulator
Assets and Liabilities
Assets$9.03 million
Loans$5.21 million
Deposits$7.50 million
Equity Capital$1.50 million
Loan Loss Allowance$38,000
Unbacked Noncurrent Loans$27,000
Real Estate Owned$0
Historic Data - December 2012
Assets$8.11 million
Equity Capital$1.39 million
Loan Loss Allowance$38,000
Unbacked Noncurrent Loans$27,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin6.14%
Return on Assets1.17%
Return on Equity7.09%
Interest Income$370,000
Skip to rates for:

Always verify rates and promotions with the bank or credit union. We are not Internationalites Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Internationalites Credit Union Savings Account Rates

1.00%$30-Christmas Club
0.75%$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