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P.O. Box 23040
Albuquerque, NM 87192

Sandia Laboratory Credit Union is headquartered in Albuquerque and is the largest credit union in the state of New Mexico. It is also the 73rd largest credit union in the nation. It was established in 1948 and as of December of 2013, it had grown to 237 employees and 71,570 members. Sandia Laboratory Credit Union's money market rates are 14% higher than the national average, and it has a A health rating.

Field of Membership Restrictions

In addition to employees at Sandia National Laboratories and several other companies, membership in SLFCU is open to members of the National Museum of Nuclear Science & History. - See Details

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Data for Q4 2013

Institution Health


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 Sandia Laboratory Credit Union had $7.07 million in non-current loans and owned real-estate with $198.48 million in equity and loan loss allowances on hand to cover it. This gives Sandia Laboratory Credit Union a Texas Ratio of 3.56% 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 Sandia Laboratory Credit Union experienced no significant changes from 3.07% as of December 31, 2012 to 3.56% as of December 31, 2013, resulting in a negative change of 16.13%. This indicates that the balance sheet and financial strength for Sandia Laboratory Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Sandia Laboratory Credit Union has increased its total deposits by $105.71 million, resulting in 6.14% 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 Sandia Laboratory 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. Sandia Laboratory Credit Union has $2.03 billion in assets with $198.48 million in equity, resulting in a capitalization level of 9.78%, which is above average.

Institution Statistics

NCUA #5851
Year Chartered1948
Primary Regulator
Assets and Liabilities
Assets$2.03 billion
Loans$972.68 million
Deposits$1.83 billion
Equity Capital$192.41 million
Loan Loss Allowance$6.08 million
Unbacked Noncurrent Loans$6.18 million
Real Estate Owned$885,000
Historic Data - December 2012
Assets$1.90 billion
Equity Capital$166.76 million
Loan Loss Allowance$6.12 million
Unbacked Noncurrent Loans$6.18 million
Real Estate Owned$1.50 million
Profit Margin - Quarterly
Net Interest Margin3.89%
Return on Assets0.92%
Return on Equity9.75%
Interest Income$57.68 million

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Sandia Laboratory Credit Union Savings Account Rates

0.40%$50k-Share Savings
0.40%$50k-IRA Share Savings
0.40%$50k-Roth IRA Share Savings
0.40%$50k-CESA Share Savings

Sandia Laboratory Credit Union Money Market Rates

0.50%$50k- Money Market Savings

Sandia Laboratory Credit Union Checking Account Rates

0.15%$500-Money Manager Checking

Sandia Laboratory Credit Union CD Rates

1.41%$200k-36 Month CD
1.31%$200k-24 - 35 Month CD
0.90%$200k-18 Month Bump Up CD
0.75%$200k-12 - 23 Month CD
0.70%$200k-6 - 11 Month CD
0.70%$200k-48 Month Variable CD

Sandia Laboratory Credit Union IRA Rates

1.51%$200k-36 Month IRA (Traditional,Roth,CESA)
1.41%$200k-24 Month IRA (Traditional,Roth,CESA)
1.01%$200k-18 Month Bump Up IRA (Traditional,Roth,CESA)
0.85%$200k-12 Month IRA (Traditional,Roth,CESA)
0.80%$200k-6 Month IRA (Traditional,Roth,CESA)
0.70%$200k-48 Month Variable IRA (Traditional,Roth,CESA)

Sandia Laboratory Credit Union Locations
Branch OfficeWyoming & I Street KafbAlbuquerque, NM 87117-0001
Branch Office2700 Palmilla RdLos Lunas, NM 87031
Branch Office6600 Gulton Ct NEAlbuquerque, NM 87109
Branch Office150 State Road 344 Ste BEdgewood, NM 87015-6877
Branch Office8920 Holly Ave NEAlbuquerque, NM 87122
Branch Office3707 Juan Tabo Blvd NEAlbuquerque, NM 87111
Branch Office3740 Ellison Rd NWAlbuquerque, NM 87114
Branch Office1301 Britt St SEAlbuquerque, NM 87123-3354
Branch Office39 S Livermore Ave Ste 101Livermore, CA 94550-3119
Branch Office7011 East AveLivermore, CA 94550-9610