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Overview / Commentary
1003 N 1ST ST
GRANTS, NM 87020-2807

Mt Taylor Credit Union is headquartered in GRANTS and is the 45th largest credit union in the state of New Mexico. It is also the 5,901st largest credit union in the nation. It was established in 1960 and as of March of 2014, it had grown to 381 members. Mt Taylor Credit Union has a C+ health rating.

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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. Mt Taylor 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 Mt Taylor Credit Union had $0 in non-current loans and owned real-estate with $358,000 in equity and loan loss allowances on hand to cover it. This gives Mt Taylor Credit Union a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Deposit Growth


In the past year, Mt Taylor Credit Union has increased its total deposits by $11,000, resulting in 0.65% 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 Mt Taylor Credit Union has shown is above average.



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. Mt Taylor Credit Union has $2.07 million in assets with $358,000 in equity, resulting in a capitalization level of 17.33%, which is excellent.

Institution Statistics

NCUA #13654
Year Chartered1960
Primary Regulator
Assets and Liabilities
Assets$2.07 million
Deposits$1.71 million
Equity Capital$352,000
Loan Loss Allowance$6,000
Real Estate Owned$0
Historic Data - March 2013
Assets$2.05 million
Equity Capital$345,000
Loan Loss Allowance$6,000
Unbacked Noncurrent Loans$0
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin2.05%
Return on Assets0.19%
Return on Equity1.14%
Interest Income$14,000

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Mt Taylor Credit Union Locations
Branch Office1003 N 1ST STGRANTS, NM 87020-2807