Side-by-side · Q2 2026 data
Zia Credit Union vs Los Alamos Schools Credit Union
Credit union
Los Alamos Schools Credit Union
Los Alamos, New Mexico · Under $100 million in assets
Metric by metric
| Measure | Zia Credit Union | Los Alamos Schools Credit Union |
|---|---|---|
| TellerScore | 64 | 71 (stronger) |
| Capital cushion | 53 | 67 (stronger) |
| Loan quality | 84 (stronger) | 75 |
| Earnings | 38 | 48 (stronger) |
| Funding & liquidity | 71 | 90 (stronger) |
| Problem-loan coverage | 92 | 92 |
| Peer percentile | 31st | 42nd |
| Total assets | $308.1M | $32.4M |
| Deposits / shares | $246.7M | $28.5M |
| Capital ratio | 10.35% | 11.68% (stronger) |
| Problem loans | 0.48% (stronger) | 0.74% |
| Net charge-offs | 0.35% | -0.12% (stronger) |
| Return on assets | 0.45% | 0.69% (stronger) |
| Loans ÷ deposits | 89.1% | 70.2% (stronger) |
| Uninsured deposits | 5.1% | 1.0% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Los Alamos Schools Credit Union has the higher TellerScore (71 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Zia Credit Union leads on 1 and Los Alamos Schools Credit Union on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Los Alamos, NM
- Santa Fe, NM