TellerScore

Del Norte Credit Union is a federally insured state-chartered credit union headquartered in Los Alamos, New Mexico, in business for about 72 years. At the end of Q2 2026 it reported $1.5B in total assets and $1.3B in member shares and deposits, with 10 offices.

Del Norte Credit Union has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 44% of its 454 credit unions with $1 billion – $10 billion. Among 37 credit unions headquartered in New Mexico, it ranks 26th. Problem-loan coverage contributes the most (92/100, 4.2%); capital cushion contributes the least (44/100, 9.43%).

TellerScore · Q2 2026

Scorecard

Capital cushion44/100
Net worth ratio: 9.43%
Loan quality85/100
Loans 60+ days delinquent ÷ total loans: 0.45%
Earnings51/100
Return on assets (annualized): 0.78%
Funding & liquidity83/100
Loans ÷ shares: 75.5% · 16.9% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.15%

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 2 points (68 → 66), mostly because the earnings component weakened by 9 points.

TellerScore
656769Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202468
Q4 202466
Q1 202565
Q2 202568
Q3 202568
Q4 202567
Q1 202668
Q2 202666
Net worth ratio
7.00%8.43%9.86%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.86%
Q3 20249.56%
Q4 20249.47%
Q1 20259.01%
Q2 20259.27%
Q3 20259.51%
Q4 20259.64%
Q1 20269.50%
Q2 20269.43%
Delinquent loans (60+ days)
0.43%0.56%0.69%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.43%
Q3 20240.45%
Q4 20240.60%
Q1 20250.49%
Q2 20250.49%
Q3 20250.48%
Q4 20250.69%
Q1 20260.52%
Q2 20260.45%
Return on assets
0.78%0.92%1.05%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.05%
Q3 20240.95%
Q4 20240.92%
Q1 20250.80%
Q2 20250.99%
Q3 20250.98%
Q4 20251.04%
Q1 20260.98%
Q2 20260.78%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$1.5B9.43%0.45%0.78%75.5%
Q1 202668$1.5B9.50%0.52%0.98%75.2%
Q4 202567$1.4B9.64%0.69%1.04%76.3%
Q3 202568$1.4B9.51%0.48%0.98%77.5%
Q2 202568$1.4B9.27%0.49%0.99%76.1%
Q1 202565$1.4B9.01%0.49%0.80%75.1%
Q4 202466$1.3B9.47%0.60%0.92%79.0%
Q3 202468$1.3B9.56%0.45%0.95%81.1%
Q2 202469$1.2B9.86%0.43%1.05%84.8%

454 peers · $1 billion – $10 billion

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 ratio9.43%
18th
Problem loans0.45%
75th
Net charge-offs1.00%
14th
Return on assets0.78%
47th
Loans to deposits75.5%
79th
Uninsured deposits16.9%
8th
Loan-loss reserves0.00%
50th
Texas ratio4.2%
57th

Similar-size credit unions in New Mexico

InstitutionScoreAssetsCapitalProblem loansCompare
U.S. Eagle Federal Credit UnionCredit union Albuquerque, NM21 out of 100, Low$1.5B7.8%6.91%vs
Sandia Area Federal Credit UnionCredit union Albuquerque, NM75 out of 100, Strong$1.4B11.4%0.15%vs
State Employees Credit UnionCredit union Santa Fe, NM46 out of 100, Below average$1.3B11.4%4.46%vs
First Financial Credit UnionCredit union Albuquerque, NM50 out of 100, Below average$1.1B8.1%1.40%vs
Kirtland Federal Credit UnionCredit union Albuquerque, NM71 out of 100, Strong$1.1B12.4%0.79%vs
Sunward Federal Credit UnionCredit union Albuquerque, NM60 out of 100, Moderate$4.6B8.9%0.40%vs

Deposit insurance

Is my money safe at Del Norte Credit Union?

Yes. Del Norte Credit Union is a federally insured credit union (NCUA charter #64759). 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 16.9% of shares and deposits ($227.7M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 9.43%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

10 locations

Branches

Del Norte Credit Union lists 10 offices in 5 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Del Norte Credit Union reported 453 home-loan applications under HMDA (LEI 2549008US5LUWX2ZH247): 312 originated ($69,300,000 total), 63 denied, and 75 withdrawn or closed by the applicant. Its denial rate on decided applications was 16.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Del Norte Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
64759
RSSD ID
857398
Primary regulator
State + NCUA
Established
1954
Headquarters
PO Box 1180, Los Alamos, NM 87544
Employees
226

Quick answers

Del Norte Credit Union: common questions

Is Del Norte Credit Union NCUA insured?

Yes. Del Norte Credit Union is a federally insured credit union (NCUA charter #64759). 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 Del Norte Credit Union's TellerScore?

66 out of 100 (Moderate), 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 Del Norte Credit Union have?

10 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Los Alamos

InstitutionScoreAssetsCapitalProblem loansCompare
Sandia Area Federal Credit UnionCredit union Albuquerque, NM75 out of 100, Strong$1.4B11.4%0.15%vs
Los Alamos Schools Credit UnionCredit union Los Alamos, NM71 out of 100, Strong$32.4M11.7%0.74%vs
Guadalupe Credit UnionCredit union Santa Fe, NM68 out of 100, Moderate$348.2M12.5%1.57%vs
Northern New Mexico School Employee Federal Credit UnionCredit union Santa Fe, NM68 out of 100, Moderate$44.5M12.5%1.82%vs
UMB Bank, National AssociationBank Kansas City, MO65 out of 100, Moderate$71.9B8.9%0.34%vs
BOKF, National AssociationBank Tulsa, OK64 out of 100, Moderate$53.0B9.3%0.54%vs