High Desert Community Credit Union

Overview / Commentary

www.babcreditunion.com

505-334-3074

302 S Ash St
Aztec, NM 87410

High Desert Community Credit Union is headquartered in Aztec and is the 31^st largest credit union in the state of New Mexico. It is also the 3,639^th largest credit union in the nation. It was established in 1956 and as of December of 2018, it had grown to 5 employees and 2,043 members at 2 locations. High Desert Community Credit Union's savings rates are 3X the national average, and it has a B health rating.

Field of Membership Restrictions

Membership in High Desert Community Credit Union is open to the employees of Bloomfield, Aztec, and Blanco school districts, City of Aztec, City of Bloomfield, Southside Domestic Water Association and the Aztec Museum.
See current membership details

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Health

Data as of Q4 2018

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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. High Desert Community Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	66185
Year Chartered	1956
Employees	5
Primary Regulator

Profit Margin
Return on Assets - YTD	1.04%
Return on Equity - YTD	9.9%
Annual Interest Income	$675.00K

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$15.2MM$13.0MM
Loans	Q4 2018vs Q4 2017	$11.1MM$11.6MM
Deposits	Q4 2018vs Q4 2017	$13.3MM$11.3MM
Equity Capital	Q4 2018vs Q4 2017	$1.6MM$1.4MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$108.00K$96.00K
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$126.00K$92.00K
Real Estate Owned	Q4 2018vs Q4 2017	$0$0

Rates

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Savings
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

High Desert Community Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.56%^*	$100k^*	-	Shares
OTHER TIERS: 0.15% → Up to $5k \| 0.25% → $5k - $10k \| 0.50% → $10k - $25k \| 0.75% → $25k - $50k \| 1.00% → $50k - $100k
1.00%	-	-	IRA Daily Share

High Desert Community Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.78%	-	-	36 Month Premium CD
2.53%	-	-	60 Month CD
2.27%	-	-	24 Month Premium CD
2.02%	-	-	48 Month CD
1.76%	-	-	12 Month Premium CD
1.76%	-	-	36 Month CD
1.51%	-	-	24 Month CD
1.26%	-	-	18 Month CD
1.00%	-	-	12 Month CD
0.50%	-	-	6 Month CD

High Desert Community Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.02%	-	-	24 Month IRA CD
1.51%	-	-	12 Month IRA CD

Locations

High Desert Community Credit Union Locations
Branch Office	302 S Ash St	Aztec, NM 87410
Branch Office	700 E 4th St	Raton, NM 87740-2719

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