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P.O. Box 490
Los Alamos, NM 87544

Zia Credit Union is headquartered in Los Alamos and is the 13st largest credit union in the state of New Mexico. It is also the 1,268th largest credit union in the nation. It was established in 1955 and as of March of 2014, it had grown to 47 employees and 12,680 members. Zia Credit Union has a B health rating.

Field of Membership Restrictions

Membership is available to all persons living, working, or worshiping in Los Alamos County, Rio Arriba County, Taos County, and Santa Fe County. Membership is also available to their immediate families. - See Details

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Data for Q1 2014

Institution Health


Texas Ratio


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 Zia Credit Union had $2.05 million in non-current loans and owned real-estate with $13.22 million in equity and loan loss allowances on hand to cover it. This gives Zia Credit Union a Texas Ratio of 15.49% 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 Zia Credit Union experienced no significant changes from 11.30% as of March 31, 2013 to 15.49% as of March 31, 2014, resulting in a negative change of 37.09%. This indicates that the balance sheet and financial strength for Zia Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Zia Credit Union has decreased its total deposits by -$1.43 million, resulting in -1.19% 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 Zia Credit Union has shown is average.



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. Zia Credit Union has $130.93 million in assets with $13.22 million in equity, resulting in a capitalization level of 10.10%, which is above average.

Institution Statistics

NCUA #60467
Year Chartered1955
Primary Regulator
Assets and Liabilities
Assets$130.93 million
Loans$75.67 million
Deposits$119.42 million
Equity Capital$11.17 million
Loan Loss Allowance$2.05 million
Unbacked Noncurrent Loans$1.82 million
Real Estate Owned$228,000
Historic Data - March 2013
Assets$133.11 million
Equity Capital$11.30 million
Loan Loss Allowance$1.63 million
Unbacked Noncurrent Loans$1.82 million
Real Estate Owned$817,000
Profit Margin - Quarterly
Net Interest Margin1.52%
Return on Assets-0.21%
Return on Equity-2.51%
Interest Income$1.25 million
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Zia Credit Union Savings Account Rates

0.30%--IRA Savings
0.30%--Roth IRA Savings
0.30%--CESA Savings
0.25%$40k-Share Account

Zia Credit Union Checking Account Rates

2.05%-$15kPerfect Sense Checking - Qualifying
0.10%$40k-Common Sense Checking
0.05%--Perfect Sense Checking - Non Qualifying
0.01%--Perfect Tunes Checking

Zia Credit Union CD Rates

0.60%$95k-36 Month Jumbo CD
0.50%$10k-30 Month Jumbo CD
0.45%$95k-24 Month Jumbo CD
0.40%$1k$10k36 Month CD
0.35%$95k-12 Month Jumbo CD
0.35%$10k-18 Month Jumbo CD
0.35%$1k$10k24 Month CD
0.30%$1k$10k30 Month CD
0.25%$1k$10k18 Month CD
0.20%$95k-180 Day Jumbo CD
0.15%$1k$10k12 Month CD
0.10%$10k-90 Day Jumbo CD
0.10%$1k$10k180 Day CD
0.05%$1k$10k90 Day CD

Zia Credit Union IRA Rates

0.60%$95k-36 Month Jumbo IRA
0.50%$10k-30 Month Jumbo IRA
0.45%$95k-24 Month Jumbo IRA
0.40%$1k$10k36 Month IRA
0.35%$1k$10k24 Month IRA
0.35%$95k-12 Month Jumbo IRA
0.35%$10k-18 Month Jumbo IRA
0.30%$1k$10k30 Month IRA
0.25%$1k$10k18 Month IRA
0.20%$95k-180 Day Jumbo IRA
0.15%$1k$10k12 Month IRA
0.10%$1k$10k180 Day IRA
0.10%$10k-90 Day Jumbo IRA
0.05%$1k$10k90 Day IRA

Zia Credit Union Locations
Branch Office1001 Central AveLos Alamos, NM 87544
Branch Office707 S Riverside DrEspanola, NM 87532