TellerScore

Headquartered in Roswell, New Mexico, Chaves County School Employees Credit Union is a federally insured state-chartered credit union with $40.1M in total assets and $31.6M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1952.

Based on its Q2 2026 filing, Chaves County School Employees Credit Union scores 100/100, which we describe as very strong. That is higher than 100% of 2,479 credit unions with under $100 million in assets. Among 37 credit unions headquartered in New Mexico, it ranks 1st. Its five components are fairly even, ranging from 100 to 100 out of 100.

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 20.88%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings100/100
Return on assets (annualized): 2.18%
Funding & liquidity100/100
Loans ÷ shares: 37.2% · 6.2% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (100 → 100).

TellerScore
99100100Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202499
Q3 202499
Q4 2024100
Q1 202599
Q2 2025100
Q3 2025100
Q4 2025100
Q1 2026100
Q2 2026100
Net worth ratio
7.00%14.11%21.22%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202418.01%
Q3 202418.80%
Q4 202419.59%
Q1 202519.53%
Q2 202519.92%
Q3 202520.83%
Q4 202521.22%
Q1 202620.55%
Q2 202620.88%
Delinquent loans (60+ days)
0.00%0.06%0.12%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.00%
Q4 20240.02%
Q1 20250.12%
Q2 20250.00%
Q3 20250.02%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
1.86%2.15%2.45%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.86%
Q3 20241.92%
Q4 20242.08%
Q1 20252.27%
Q2 20252.28%
Q3 20252.45%
Q4 20252.35%
Q1 20262.13%
Q2 20262.18%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 2026100$40.1M20.88%0.00%2.18%37.2%
Q1 2026100$39.6M20.55%0.00%2.13%35.6%
Q4 2025100$37.4M21.22%0.00%2.35%38.3%
Q3 2025100$37.1M20.83%0.02%2.45%37.5%
Q2 2025100$37.5M19.92%0.00%2.28%36.8%
Q1 202599$37.2M19.53%0.12%2.27%36.9%
Q4 2024100$36.0M19.59%0.02%2.08%37.6%
Q3 202499$36.4M18.80%0.00%1.92%38.1%
Q2 202499$36.9M18.01%0.00%1.86%36.4%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio20.88%
80th
Problem loans0.00%
94th
Net charge-offs0.00%
77th
Return on assets2.18%
96th
Loans to deposits37.2%
82nd
Uninsured deposits6.2%
16th
Loan-loss reserves0.00%
37th
Texas ratio0.0%
93rd

Similar-size credit unions in New Mexico

InstitutionScoreAssetsCapitalProblem loansCompare
Northern New Mexico School Employee Federal Credit UnionCredit union Santa Fe, NM68 out of 100, Moderate$44.5M12.5%1.82%vs
Everyone'S Federal Credit UnionCredit union Tucumcari, NM86 out of 100, Very strong$46.5M14.2%0.00%vs
Questa Credit UnionCredit union Questa, NM78 out of 100, Strong$32.6M23.3%2.08%vs
Los Alamos Schools Credit UnionCredit union Los Alamos, NM71 out of 100, Strong$32.4M11.7%0.74%vs
Roswell Community Federal Credit UnionCredit union Roswell, NM83 out of 100, Strong$50.3M16.8%1.39%vs
Jemez Valley Credit UnionCredit union Jemez Springs, NM66 out of 100, Moderate$27.3M12.6%1.00%vs

Deposit insurance

Is my money safe at Chaves County School Employees Credit Union?

Yes. Chaves County School Employees Credit Union is a federally insured credit union (NCUA charter #66143). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 6.2% of shares and deposits ($2.0M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 20.88%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Chaves County School Employees Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Chaves County School Employees Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
66143
RSSD ID
922492
Primary regulator
State + NCUA
Established
1952
Headquarters
1401 N Lea Ave, Roswell, NM 88201
Employees
5

Quick answers

Chaves County School Employees Credit Union: common questions

Is Chaves County School Employees Credit Union NCUA insured?

Yes. Chaves County School Employees Credit Union is a federally insured credit union (NCUA charter #66143). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Chaves County School Employees Credit Union's TellerScore?

100 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Chaves County School Employees Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Roswell

InstitutionScoreAssetsCapitalProblem loansCompare
Otero Federal Credit UnionCredit union Alamogordo, NM95 out of 100, Very strong$535.3M15.5%0.26%vs
Roswell Community Federal Credit UnionCredit union Roswell, NM83 out of 100, Strong$50.3M16.8%1.39%vs
First American BankBank Artesia, NM80 out of 100, Strong$1.9B11.8%0.53%vs
Pioneer BankBank Roswell, NM73 out of 100, Strong$1.1B12.3%1.71%vs
The James Polk Stone Community BankBank Portales, NM66 out of 100, Moderate$443.8M10.0%1.41%vs
The Florist Federal Credit UnionCredit union Roswell, NM64 out of 100, Moderate$7.1M15.1%1.90%vs