U.S. New Mexico Credit Union

U.S. New Mexico Credit Union is headquartered in Albuquerque and is the 3^rd largest credit union in the state of New Mexico. It is also the 291^st largest credit union in the nation. It was established in 1935 and as of December of 2012, it had grown to 168 employees and 66,716 members. U.S. New Mexico Credit Union has a 5-star health rating.

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Data for Q4 2012

Institution Statistics U.S. NEW MEXICO NCUA # 808 BankRate Report View Year Chartered 1935 Employees 168 Primary Regulator Assets and Liabilities Assets $740.03 million Loans $484.13 million Deposits $655.45 million Equity Capital $75.36 million Loan Loss Allowance $4.90 million Unbacked Noncurrent Loans $5.36 million Real Estate Owned $4.35 million Historic Data - December 2011 Assets $681.21 million Equity Capital $69.96 million Loan Loss Allowance $5.43 million Unbacked Noncurrent Loans $10.31 million Real Estate Owned $4.64 million Profit Margin - Quarterly Net Interest Margin 4.36% Return on Assets 0.73% Return on Equity 7.17% Interest Income $28.17 million Non-Interest Income $7.73 million

Institution Health Overall Score: 5 out of 5 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, 2012 U.S. New Mexico Credit Union had $9.71 million in non-current loans and owned real-estate with $80.26 million in equity and loan loss allowances on hand to cover it. This gives U.S. New Mexico Credit Union a Texas Ratio of 12.10% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for U.S. New Mexico Credit Union decreased slightly from 19.83% as of December 31, 2011 to 12.10% as of December 31, 2012, resulting in a positive change of 38.99%.This indicates that the balance sheet and financial strength for U.S. New Mexico Credit Union has improved slightly in recent periods. Deposit Growth In the past year, U.S. New Mexico Credit Union has increased its total deposits by $47.78 million, resulting in 7.86% 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 U.S. New Mexico Credit Union has shown is excellent. Capitalization 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. U.S. New Mexico Credit Union has $740.03 million in assets with $80.26 million in equity, resulting in a capitalization level of 10.85%, which is above average.

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