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
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.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 68 |
| Q4 2024 | 66 |
| Q1 2025 | 65 |
| Q2 2025 | 68 |
| Q3 2025 | 68 |
| Q4 2025 | 67 |
| Q1 2026 | 68 |
| Q2 2026 | 66 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 9.86% |
| Q3 2024 | 9.56% |
| Q4 2024 | 9.47% |
| Q1 2025 | 9.01% |
| Q2 2025 | 9.27% |
| Q3 2025 | 9.51% |
| Q4 2025 | 9.64% |
| Q1 2026 | 9.50% |
| Q2 2026 | 9.43% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.43% |
| Q3 2024 | 0.45% |
| Q4 2024 | 0.60% |
| Q1 2025 | 0.49% |
| Q2 2025 | 0.49% |
| Q3 2025 | 0.48% |
| Q4 2025 | 0.69% |
| Q1 2026 | 0.52% |
| Q2 2026 | 0.45% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.05% |
| Q3 2024 | 0.95% |
| Q4 2024 | 0.92% |
| Q1 2025 | 0.80% |
| Q2 2025 | 0.99% |
| Q3 2025 | 0.98% |
| Q4 2025 | 1.04% |
| Q1 2026 | 0.98% |
| Q2 2026 | 0.78% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 66 | $1.5B | 9.43% | 0.45% | 0.78% | 75.5% |
| Q1 2026 | 68 | $1.5B | 9.50% | 0.52% | 0.98% | 75.2% |
| Q4 2025 | 67 | $1.4B | 9.64% | 0.69% | 1.04% | 76.3% |
| Q3 2025 | 68 | $1.4B | 9.51% | 0.48% | 0.98% | 77.5% |
| Q2 2025 | 68 | $1.4B | 9.27% | 0.49% | 0.99% | 76.1% |
| Q1 2025 | 65 | $1.4B | 9.01% | 0.49% | 0.80% | 75.1% |
| Q4 2024 | 66 | $1.3B | 9.47% | 0.60% | 0.92% | 79.0% |
| Q3 2024 | 68 | $1.3B | 9.56% | 0.45% | 0.95% | 81.1% |
| Q2 2024 | 69 | $1.2B | 9.86% | 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).
Similar-size credit unions in New Mexico
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| U.S. Eagle Federal Credit UnionCredit union Albuquerque, NM | 21 out of 100, Low | $1.5B | 7.8% | 6.91% | vs |
| Sandia Area Federal Credit UnionCredit union Albuquerque, NM | 75 out of 100, Strong | $1.4B | 11.4% | 0.15% | vs |
| State Employees Credit UnionCredit union Santa Fe, NM | 46 out of 100, Below average | $1.3B | 11.4% | 4.46% | vs |
| First Financial Credit UnionCredit union Albuquerque, NM | 50 out of 100, Below average | $1.1B | 8.1% | 1.40% | vs |
| Kirtland Federal Credit UnionCredit union Albuquerque, NM | 71 out of 100, Strong | $1.1B | 12.4% | 0.79% | vs |
| Sunward Federal Credit UnionCredit union Albuquerque, NM | 60 out of 100, Moderate | $4.6B | 8.9% | 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.
10 locations
Branches
Del Norte Credit Union lists 10 offices in 5 cities. Most locations:
- Santa Fe, NM (4)
- Espanola, NM (2)
- Rio Rancho, NM (2)
- Los Alamos, NM (1)
- White Rock, NM (1)
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
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Sandia Area Federal Credit UnionCredit union Albuquerque, NM | 75 out of 100, Strong | $1.4B | 11.4% | 0.15% | vs |
| Los Alamos Schools Credit UnionCredit union Los Alamos, NM | 71 out of 100, Strong | $32.4M | 11.7% | 0.74% | vs |
| Guadalupe Credit UnionCredit union Santa Fe, NM | 68 out of 100, Moderate | $348.2M | 12.5% | 1.57% | vs |
| Northern New Mexico School Employee Federal Credit UnionCredit union Santa Fe, NM | 68 out of 100, Moderate | $44.5M | 12.5% | 1.82% | vs |
| UMB Bank, National AssociationBank Kansas City, MO | 65 out of 100, Moderate | $71.9B | 8.9% | 0.34% | vs |
| BOKF, National AssociationBank Tulsa, OK | 64 out of 100, Moderate | $53.0B | 9.3% | 0.54% | vs |