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Overview / Commentary
P.O. Box 500
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 4,967th largest credit union in the nation. It was established in 1959 and as of December of 2013, it had grown to 2 employees and 915 members. Questa Credit Union has a B+ health rating.

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Health

Data for Q4 2013

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 funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Questa Credit Union had $19,000 in non-current loans and owned real-estate with $1.9 million in equity and loan loss allowances on hand to cover it. This gives Questa Credit Union a Texas Ratio of 1.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Questa Credit Union experienced no significant changes from 0.49% as of December 31, 2012 to 1.00% as of December 31, 2013, resulting in a negative change of 103.66%. This indicates that the balance sheet and financial strength for Questa Credit Union has had no significant changes in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Questa Credit Union has increased its total deposits by $234,000, resulting in 5.05% 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 $6.7 million in assets with $1.9 million in equity, resulting in a capitalization level of 28.36%, which is excellent.

Institution Statistics

Overall
NCUA #66252
Year Chartered1959
Employees2
Primary Regulator
Assets and Liabilities
Assets$6.70 million
Loans$2.32 million
Deposits$4.86 million
Equity Capital$1.82 million
Loan Loss Allowance$79,000
Unbacked Noncurrent Loans$19,000
Real Estate Owned$0
Historic Data - December 2012
Assets$6.40 million
Equity Capital$1.75 million
Loan Loss Allowance$79,000
Unbacked Noncurrent Loans$19,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin9.04%
Return on Assets0.99%
Return on Equity3.63%
Interest Income$225,000
Rates

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Locations


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