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Overview / Commentary
Santa Fe, NM 87507-4958

Permaculture is headquartered in Santa Fe and is the 41st largest credit union in the state of New Mexico. It is also the 5,076th largest credit union in the nation. It was established in 2000 and as of March of 2014, it had grown to 2 employees and 915 members. Permaculture has a D health rating.

Field of Membership Restrictions

Must agree with the ethics of permaculture, have completed a recognized permaculture design course or be a member of an affiliated Permaculture institute. - 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. Permaculture 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 Permaculture had $516,000 in non-current loans and owned real-estate with $347,000 in equity and loan loss allowances on hand to cover it. This gives Permaculture a Texas Ratio of 148.70% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Permaculture increased slightly from 17.46% as of March 31, 2013 to 148.70% as of March 31, 2014, resulting in a negative change of 751.45%. This indicates that the balance sheet and financial strength for Permaculture has declined slightly in recent periods.

Deposit Growth


In the past year, Permaculture has increased its total deposits by $557,000, resulting in 10.78% 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 Permaculture 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. Permaculture has $6.08 million in assets with $347,000 in equity, resulting in a capitalization level of 5.71%, which is below average.

Institution Statistics

NCUA #68438
Year Chartered2000
Primary Regulator
Assets and Liabilities
Assets$6.08 million
Loans$4.17 million
Deposits$5.72 million
Equity Capital$327,000
Loan Loss Allowance$20,000
Unbacked Noncurrent Loans$476,000
Real Estate Owned$40,000
Historic Data - March 2013
Assets$5.54 million
Equity Capital$341,000
Loan Loss Allowance$14,000
Unbacked Noncurrent Loans$476,000
Real Estate Owned$40,000
Profit Margin - Quarterly
Return on Assets-0.79%
Return on Equity-14.68%
Interest Income$45,000
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Permaculture Savings Account Rates

0.30%$500-Capital Share Account
0.25%--PCU Emergency Share Fund Account
0.10%$50-Share Savings
0.10%--My Choice Savings
0.05%--Mortgage Escrow Share Account
0.00%--PCU Equity Builder Share CD

Permaculture CD Rates

1.11%--60 Month CD
1.01%--48 Month CD
0.90%--36 Month CD
0.75%--24 Month CD
0.45%--12 Month CD
0.45%--18 Month CD
0.40%--24 Month Charter Share CD
0.30%--6 Month CD
0.25%--12 Month Charter Share CD
0.20%--3 Month CD

Permaculture Locations
Branch Office4001 OFFICE CT STE 708Santa Fe, NM 875074958