TellerScore

Headquartered in Santa Fe, New Mexico, Guadalupe Credit Union is a federally insured state-chartered credit union with $348.2M in total assets and $299.9M in member shares and deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1948.

Based on its Q2 2026 filing, Guadalupe Credit Union scores 68/100, which we describe as moderate. That is higher than only 45% of 1,341 credit unions with $100 million – $1 billion. Among 37 credit unions headquartered in New Mexico, it ranks 24th. Its strongest component is funding & liquidity (89/100; 71% loans-to-deposits, 11% uninsured), and its lowest is loan quality (48/100; 1.57%).

TellerScore · Q2 2026

Scorecard

Capital cushion75/100
Net worth ratio: 12.51%
Loan quality48/100
Loans 60+ days delinquent ÷ total loans: 1.57%
Earnings60/100
Return on assets (annualized): 1.01%
Funding & liquidity89/100
Loans ÷ shares: 71.0% · 10.7% uninsured
Problem-loan coverage84/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 8.11%

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 8 points (76 → 68), mostly because the earnings component weakened by 21 points.

TellerScore
677378Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202472
Q4 202473
Q1 202568
Q2 202576
Q3 202573
Q4 202578
Q1 202667
Q2 202668
Net worth ratio
7.00%9.75%12.51%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.18%
Q3 202412.01%
Q4 202411.97%
Q1 202511.64%
Q2 202511.68%
Q3 202511.84%
Q4 202512.44%
Q1 202612.17%
Q2 202612.51%
Delinquent loans (60+ days)
0.97%1.27%1.57%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.15%
Q3 20241.16%
Q4 20240.97%
Q1 20251.41%
Q2 20251.05%
Q3 20251.19%
Q4 20251.09%
Q1 20261.35%
Q2 20261.57%
Return on assets
0.69%1.19%1.69%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.90%
Q3 20241.16%
Q4 20241.08%
Q1 20250.99%
Q2 20251.54%
Q3 20251.39%
Q4 20251.69%
Q1 20260.69%
Q2 20261.01%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$348.2M12.51%1.57%1.01%71.0%
Q1 202667$348.6M12.17%1.35%0.69%69.4%
Q4 202578$336.2M12.44%1.09%1.69%71.8%
Q3 202573$335.3M11.84%1.19%1.39%67.6%
Q2 202576$331.8M11.68%1.05%1.54%66.3%
Q1 202568$322.2M11.64%1.41%0.99%66.9%
Q4 202473$306.6M11.97%0.97%1.08%70.7%
Q3 202472$300.4M12.01%1.16%1.16%71.0%
Q2 202470$285.3M12.18%1.15%0.90%73.4%

1,341 peers · $100 million – $1 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 ratio12.51%
64th
Problem loans1.57%
12th
Net charge-offs0.67%
22nd
Return on assets1.01%
67th
Loans to deposits71.0%
59th
Uninsured deposits10.7%
14th
Loan-loss reserves0.00%
50th
Texas ratio8.1%
21st

Similar-size credit unions in New Mexico

InstitutionScoreAssetsCapitalProblem loansCompare
Zia Credit UnionCredit union Los Alamos, NM64 out of 100, Moderate$308.1M10.3%0.48%vs
White Sands Federal Credit UnionCredit union Las Cruces, NM86 out of 100, Very strong$413.8M13.2%0.11%vs
Artesia Credit UnionCredit union Artesia, NM81 out of 100, Strong$172.7M16.1%1.08%vs
Otero Federal Credit UnionCredit union Alamogordo, NM95 out of 100, Very strong$535.3M15.5%0.26%vs
Estacado Federal Credit UnionCredit union Hobbs, NM87 out of 100, Very strong$120.0M14.1%0.73%vs
Cannon Federal Credit UnionCredit union Clovis, NM87 out of 100, Very strong$101.7M13.7%0.06%vs

Deposit insurance

Is my money safe at Guadalupe Credit Union?

Yes. Guadalupe Credit Union is a federally insured credit union (NCUA charter #66149). 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 10.7% of shares and deposits ($32.0M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 12.51%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Guadalupe Credit Union lists 5 offices in 4 cities. Most locations:

  • Santa Fe, NM (2)
  • El Prado, NM (1)
  • Las Vegas, NM (1)
  • Mora, NM (1)

All branch addresses and map

Identity & history

Profile

Legal name
Guadalupe Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
66149
RSSD ID
736194
Primary regulator
State + NCUA
Established
1948
Headquarters
3601 Mimbres Ln, Santa Fe, NM 87507
Employees
105

Quick answers

Guadalupe Credit Union: common questions

Is Guadalupe Credit Union NCUA insured?

Yes. Guadalupe Credit Union is a federally insured credit union (NCUA charter #66149). 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 Guadalupe Credit Union's TellerScore?

68 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 Guadalupe Credit Union have?

5 offices as of the latest NCUA data.