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Overview / Commentary
575-622-4444
110 N Washington Ave
Roswell, NM 88203

Telco Roswell New Mexico Credit Union is headquartered in Roswell and is the 38th largest credit union in the state of New Mexico. It is also the 4,882nd largest credit union in the nation. It was established in 1952 and as of March of 2014, it had grown to 3 employees and 1,151 members. Telco Roswell New Mexico Credit Union's savings rates are 3X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Any person who lives, works, worships or attends school in Chavez County is eligible for membership in our credit union. - 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. Telco Roswell New Mexico 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 Telco Roswell New Mexico Credit Union had $48,000 in non-current loans and owned real-estate with $1.45 million in equity and loan loss allowances on hand to cover it. This gives Telco Roswell New Mexico Credit Union a Texas Ratio of 3.31% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Telco Roswell New Mexico Credit Union decreased dramatically from 10.01% as of March 31, 2013 to 3.31% as of March 31, 2014, resulting in a positive change of 66.97%.This indicates that the balance sheet and financial strength for Telco Roswell New Mexico Credit Union has improved dramatically in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Telco Roswell New Mexico Credit Union has increased its total deposits by $727,000, resulting in 14.12% 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 Telco Roswell New Mexico 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. Telco Roswell New Mexico Credit Union has $7.28 million in assets with $1.45 million in equity, resulting in a capitalization level of 19.93%, which is excellent.

Institution Statistics

Overall
NCUA #7999
Year Chartered1952
Employees3
Primary Regulator
Assets and Liabilities
Assets$7.29 million
Loans$4.54 million
Deposits$5.88 million
Equity Capital$1.40 million
Loan Loss Allowance$49,000
Unbacked Noncurrent Loans$48,000
Real Estate Owned$0
Historic Data - March 2013
Assets$6.34 million
Equity Capital$1.19 million
Loan Loss Allowance$51,000
Unbacked Noncurrent Loans$48,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin2.56%
Return on Assets3.35%
Return on Equity17.39%
Interest Income$128,000
Rates
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Telco Roswell New Mexico Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
1.56%--IRA
0.50%--Regular Shares

Telco Roswell New Mexico Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
1.26%--24 Month CD
1.00%--18 Month CD
0.80%--12 Month CD
0.65%--6 Month CD
Locations


Telco Roswell New Mexico Credit Union Locations
Branch Office110 N Washington AveRoswell, NM 88203
Branch Office110 W College BlvdRoswell, NM 88201
Branch Office300 N Pennsylvania AveRoswell, NM 88201