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Overview / Commentary
575-586-0423
2433 Highway 522
Questa, NM 87556

Questa Credit Union is headquartered in Questa and is the 39th largest credit union in the state of New Mexico. It is also the 4,900th largest credit union in the nation. It was established in 1959 and as of March of 2014, it had grown to 3 employees and 892 members. Questa Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to everyone who lives, works, or owns property in the Questa School District. This includes Questa, Cerro, Red River, Costilla, Amalia, and the surrounding areas. - See Details

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Health

Data for Q1 2014

Institution Health

B+
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Questa Credit Union has a very low asset base.

Texas Ratio

GRADE:
A+

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 Questa Credit Union had $0 in non-current loans and owned real-estate with $1.94 million in equity and loan loss allowances on hand to cover it. This gives Questa 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

GRADE:
A+

In the past year, Questa Credit Union has increased its total deposits by $510,000, resulting in 10.66% 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 Questa Credit Union has shown is excellent.

Capitalization

GRADE:
A+

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. Questa Credit Union has $7.18 million in assets with $1.94 million in equity, resulting in a capitalization level of 26.98%, which is excellent.

Institution Statistics

Overall
NCUA #66252
Year Chartered1959
Employees3
Primary Regulator
Assets and Liabilities
Assets$7.18 million
Loans$2.28 million
Deposits$5.29 million
Equity Capital$1.86 million
Loan Loss Allowance$79,000
Real Estate Owned$0
Historic Data - March 2013
Assets$6.57 million
Equity Capital$1.77 million
Loan Loss Allowance$79,000
Unbacked Noncurrent Loans$0
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin2.21%
Return on Assets1.95%
Return on Equity7.54%
Interest Income$55,000
Rates
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Questa Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
0.25%$20k-1 Year Share Certificate
0.10%$20k-6 Month Share Certificate
Locations


Questa Credit Union Locations
Branch Office2433 Highway 522Questa, NM 87556