TellerScore

Headquartered in Cuba, New Mexico, Cuba Credit Union is a federally insured state-chartered credit union with $23.5M in total assets and $19.1M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1972.

Based on its Q2 2026 filing, Cuba Credit Union scores 91/100, which we describe as very strong. That is higher than 90% of 2,479 credit unions with under $100 million in assets. Among 37 credit unions headquartered in New Mexico, it ranks 4th. Its strongest component is capital cushion (100/100; 18.39%), and its lowest is earnings (57/100; 0.92%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 18.39%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings57/100
Return on assets (annualized): 0.92%
Funding & liquidity100/100
Loans ÷ shares: 37.3% · 13.1% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.12%

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

From Q2 2025 to Q2 2026, the score fell 7 points (98 → 91), mostly because the earnings component weakened by 37 points.

TellerScore
8995100Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202489
Q3 202496
Q4 202496
Q1 2025100
Q2 202598
Q3 202597
Q4 202594
Q1 202689
Q2 202691
Net worth ratio
7.00%12.70%18.39%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202416.94%
Q3 202417.47%
Q4 202417.27%
Q1 202517.21%
Q2 202517.16%
Q3 202517.73%
Q4 202517.78%
Q1 202618.03%
Q2 202618.39%
Delinquent loans (60+ days)
0.00%0.47%0.95%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.95%
Q3 20240.14%
Q4 20240.13%
Q1 20250.00%
Q2 20250.13%
Q3 20250.00%
Q4 20250.15%
Q1 20260.30%
Q2 20260.00%
Return on assets
0.90%1.70%2.50%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.65%
Q3 20241.65%
Q4 20241.57%
Q1 20252.50%
Q2 20251.84%
Q3 20251.67%
Q4 20251.48%
Q1 20260.90%
Q2 20260.92%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202691$23.5M18.39%0.00%0.92%37.3%
Q1 202689$23.6M18.03%0.30%0.90%36.2%
Q4 202594$23.7M17.78%0.15%1.48%34.3%
Q3 202597$23.4M17.73%0.00%1.67%35.0%
Q2 202598$23.7M17.16%0.13%1.84%35.3%
Q1 2025100$23.2M17.21%0.00%2.50%35.8%
Q4 202496$22.3M17.27%0.13%1.57%38.2%
Q3 202496$21.6M17.47%0.14%1.65%39.0%
Q2 202489$21.8M16.94%0.95%1.65%37.8%

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 ratio18.39%
71st
Problem loans0.00%
94th
Net charge-offs0.00%
77th
Return on assets0.92%
64th
Loans to deposits37.3%
82nd
Uninsured deposits13.1%
4th
Loan-loss reserves0.00%
37th
Texas ratio0.1%
83rd

Similar-size credit unions in New Mexico

InstitutionScoreAssetsCapitalProblem loansCompare
Jemez Valley Credit UnionCredit union Jemez Springs, NM66 out of 100, Moderate$27.3M12.6%1.00%vs
High Desert Community Credit UnionCredit union Aztec, NM69 out of 100, Moderate$18.3M12.9%1.95%vs
Four Corners Federal Credit UnionCredit union Kirtland, NM75 out of 100, Strong$14.8M20.9%0.08%vs
Los Alamos Schools Credit UnionCredit union Los Alamos, NM71 out of 100, Strong$32.4M11.7%0.74%vs
Questa Credit UnionCredit union Questa, NM78 out of 100, Strong$32.6M23.3%2.08%vs
Internationalites Federal Credit UnionCredit union Carlsbad, NM75 out of 100, Strong$11.7M17.2%0.20%vs

Deposit insurance

Is my money safe at Cuba Credit Union?

Yes. Cuba Credit Union is a federally insured credit union (NCUA charter #66097). 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 13.1% of shares and deposits ($2.5M) 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 18.39%, 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

Cuba Credit Union lists 1 office in 1 city. Most locations:

  • Cuba, NM (1)

All branch addresses and map

Identity & history

Profile

Legal name
Cuba Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
66097
RSSD ID
733595
Primary regulator
State + NCUA
Established
1972
Headquarters
Po 1660, Cuba, NM 87013
Employees
4

Quick answers

Cuba Credit Union: common questions

Is Cuba Credit Union NCUA insured?

Yes. Cuba Credit Union is a federally insured credit union (NCUA charter #66097). 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 Cuba Credit Union's TellerScore?

91 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 Cuba Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Cuba

InstitutionScoreAssetsCapitalProblem loansCompare
Wells Fargo Bank, National AssociationBank Sioux Falls, SD58 out of 100, Moderate$1.9T8.0%1.04%vs