TellerScore

Everyone'S Federal Credit Union is a federal credit union headquartered in Tucumcari, New Mexico, in business for about 72 years. At the end of Q2 2026 it reported $46.5M in total assets and $38.7M in member shares and deposits, with 3 offices.

Everyone'S Federal Credit Union has a TellerScore of 86 out of 100 (very strong) based on Q2 2026 data — higher than 80% of its 2,479 credit unions with under $100 million in assets. Among 37 credit unions headquartered in New Mexico, it ranks 9th. Loan quality contributes the most (100/100, 0.00%); earnings contributes the least (47/100, 0.67%).

TellerScore · Q2 2026

Scorecard

Capital cushion92/100
Net worth ratio: 14.17%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings47/100
Return on assets (annualized): 0.67%
Funding & liquidity90/100
Loans ÷ shares: 70.5% · 3.9% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.01%

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 rose 3 points (83 → 86), mostly because the capital cushion component improved by 5 points.

TellerScore
838688Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202486
Q3 202488
Q4 202488
Q1 202588
Q2 202583
Q3 202587
Q4 202587
Q1 202684
Q2 202686
Net worth ratio
7.00%10.59%14.17%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.86%
Q3 202413.62%
Q4 202413.98%
Q1 202513.29%
Q2 202513.71%
Q3 202513.92%
Q4 202513.84%
Q1 202613.40%
Q2 202614.17%
Delinquent loans (60+ days)
0.00%0.05%0.10%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.02%
Q4 20240.08%
Q1 20250.00%
Q2 20250.10%
Q3 20250.04%
Q4 20250.03%
Q1 20260.01%
Q2 20260.00%
Return on assets
0.67%0.97%1.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.09%
Q3 20241.14%
Q4 20241.11%
Q1 20251.28%
Q2 20250.79%
Q3 20251.08%
Q4 20250.99%
Q1 20260.72%
Q2 20260.67%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202686$46.5M14.17%0.00%0.67%70.5%
Q1 202684$48.7M13.40%0.01%0.72%65.4%
Q4 202587$46.5M13.84%0.03%0.99%71.2%
Q3 202587$46.2M13.92%0.04%1.08%73.1%
Q2 202583$45.9M13.71%0.10%0.79%73.8%
Q1 202588$46.4M13.29%0.00%1.28%67.3%
Q4 202488$43.4M13.98%0.08%1.11%68.7%
Q3 202488$44.4M13.62%0.02%1.14%66.1%
Q2 202486$46.1M12.86%0.00%1.09%65.0%

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 ratio14.17%
49th
Problem loans0.00%
87th
Net charge-offs0.60%
24th
Return on assets0.67%
51st
Loans to deposits70.5%
32nd
Uninsured deposits3.9%
28th
Loan-loss reserves0.00%
37th
Texas ratio0.0%
87th

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
Roswell Community Federal Credit UnionCredit union Roswell, NM83 out of 100, Strong$50.3M16.8%1.39%vs
Chaves County School Employees Credit UnionCredit union Roswell, NM100 out of 100, Very strong$40.1M20.9%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
Loco Credit UnionCredit union Alamogordo, NM46 out of 100, Below average$60.8M12.9%3.20%vs

Deposit insurance

Is my money safe at Everyone'S Federal Credit Union?

Yes. Everyone'S Federal Credit Union is a federally insured credit union (NCUA charter #9370). 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 3.9% of shares and deposits ($1.5M) 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 14.17%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Everyone'S Federal Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Everyone'S Federal Credit Union
Type
Federal credit union
NCUA charter #
9370
RSSD ID
41580
Primary regulator
NCUA
Established
1954
Headquarters
P. O. Box 1023, Tucumcari, NM 88401
Employees
18

Quick answers

Everyone'S Federal Credit Union: common questions

Is Everyone'S Federal Credit Union NCUA insured?

Yes. Everyone'S Federal Credit Union is a federally insured credit union (NCUA charter #9370). 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 Everyone'S Federal Credit Union's TellerScore?

86 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 Everyone'S Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Tucumcari

InstitutionScoreAssetsCapitalProblem loansCompare
Quay Schools Federal Credit UnionCredit union Tucumcari, NM83 out of 100, Strong$8.6M19.4%0.03%vs
Citizens BankBank Amarillo, TX82 out of 100, Strong$309.8M10.1%0.01%vs
The Bank of ClovisBank Clovis, NM76 out of 100, Strong$438.4M10.8%0.25%vs
Tucumcari Federal Savings and Loan AssociationBank Tucumcari, NM72 out of 100, Strong$38.4M15.2%1.02%vs
UMB Bank, National AssociationBank Kansas City, MO65 out of 100, Moderate$71.9B8.9%0.34%vs
Wells Fargo Bank, National AssociationBank Sioux Falls, SD58 out of 100, Moderate$1.9T8.0%1.04%vs