High Desert Community Credit Union is a federally insured state-chartered credit union headquartered in Aztec, New Mexico, in business for about 70 years. At the end of Q2 2026 it reported $18.3M in total assets and $15.9M in member shares and deposits, with 1 office.
Based on its Q2 2026 filing, High Desert Community Credit Union scores 69/100, which we describe as moderate. That is higher than only 38% of 2,479 credit unions with under $100 million in assets. Among 37 credit unions headquartered in New Mexico, it ranks 23rd. Its strongest component is funding & liquidity (100/100; 44% loans-to-deposits, 0% uninsured), and its lowest is loan quality (35/100; 1.95%).
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 rose 6 points (63 → 69), mostly because the earnings component improved by 46 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 56 |
| Q3 2024 | 61 |
| Q4 2024 | 52 |
| Q1 2025 | 63 |
| Q2 2025 | 63 |
| Q3 2025 | 65 |
| Q4 2025 | 73 |
| Q1 2026 | 77 |
| Q2 2026 | 69 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 13.94% |
| Q3 2024 | 14.57% |
| Q4 2024 | 13.79% |
| Q1 2025 | 13.55% |
| Q2 2025 | 13.64% |
| Q3 2025 | 13.77% |
| Q4 2025 | 13.26% |
| Q1 2026 | 13.33% |
| Q2 2026 | 12.95% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 2.91% |
| Q3 2024 | 2.51% |
| Q4 2024 | 2.58% |
| Q1 2025 | 1.89% |
| Q2 2025 | 1.65% |
| Q3 2025 | 1.69% |
| Q4 2025 | 0.81% |
| Q1 2026 | 1.68% |
| Q2 2026 | 1.95% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.31% |
| Q3 2024 | 0.31% |
| Q4 2024 | -0.61% |
| Q1 2025 | 0.10% |
| Q2 2025 | -0.14% |
| Q3 2025 | 0.06% |
| Q4 2025 | 0.20% |
| Q1 2026 | 1.56% |
| Q2 2026 | 1.01% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 69 | $18.3M | 12.95% | 1.95% | 1.01% | 44.1% |
| Q1 2026 | 77 | $18.2M | 13.33% | 1.68% | 1.56% | 48.1% |
| Q4 2025 | 73 | $17.2M | 13.26% | 0.81% | 0.20% | 54.9% |
| Q3 2025 | 65 | $16.8M | 13.77% | 1.69% | 0.06% | 63.1% |
| Q2 2025 | 63 | $16.8M | 13.64% | 1.65% | -0.14% | 63.7% |
| Q1 2025 | 63 | $17.1M | 13.55% | 1.89% | 0.10% | 60.7% |
| Q4 2024 | 52 | $16.7M | 13.79% | 2.58% | -0.61% | 63.1% |
| Q3 2024 | 61 | $17.2M | 14.57% | 2.51% | 0.31% | 66.5% |
| Q2 2024 | 56 | $17.9M | 13.94% | 2.91% | 0.31% | 66.2% |
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).
Similar-size credit unions in New Mexico
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Four Corners Federal Credit UnionCredit union Kirtland, NM | 75 out of 100, Strong | $14.8M | 20.9% | 0.08% | vs |
| Cuba Credit UnionCredit union Cuba, NM | 91 out of 100, Very strong | $23.5M | 18.4% | 0.00% | vs |
| Internationalites Federal Credit UnionCredit union Carlsbad, NM | 75 out of 100, Strong | $11.7M | 17.2% | 0.20% | vs |
| Jemez Valley Credit UnionCredit union Jemez Springs, NM | 66 out of 100, Moderate | $27.3M | 12.6% | 1.00% | vs |
| U-1st Community Federal Credit UnionCredit union Carlsbad, NM | 74 out of 100, Strong | $9.3M | 14.4% | 0.24% | vs |
| Quay Schools Federal Credit UnionCredit union Tucumcari, NM | 83 out of 100, Strong | $8.6M | 19.4% | 0.03% | vs |
Deposit insurance
Is my money safe at High Desert Community Credit Union?
Yes. High Desert Community Credit Union is a federally insured credit union (NCUA charter #66185). 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 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 12.95%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
High Desert Community Credit Union lists 1 office in 1 city. Most locations:
- Aztec, NM (1)
Identity & history
Profile
- Legal name
- High Desert Community Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 66185
- RSSD ID
- 734097
- Primary regulator
- State + NCUA
- Established
- 1956
- Headquarters
- PO Box 1059, Aztec, NM 87410
- Employees
- 5
Quick answers
High Desert Community Credit Union: common questions
Is High Desert Community Credit Union NCUA insured?
Yes. High Desert Community Credit Union is a federally insured credit union (NCUA charter #66185). 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 High Desert Community Credit Union's TellerScore?
69 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 High Desert Community Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Aztec
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Citizens BankBank Farmington, NM | 80 out of 100, Strong | $804.3M | 9.1% | 0.02% | vs |
| Four Corners Community BankBank Farmington, NM | 75 out of 100, Strong | $662.3M | 9.6% | 0.35% | vs |
| Zions Bancorporation, N.A.Bank Salt Lake City, UT | 67 out of 100, Moderate | $89.0B | 9.4% | 0.47% | vs |
| Credit Union of Colorado, aCredit union Denver, CO | 65 out of 100, Moderate | $2.6B | 10.4% | 0.74% | vs |
| Bank of the SouthwestBank Roswell, NM | 64 out of 100, Moderate | $176.3M | 9.4% | 0.73% | vs |
| First National Bank TexasBank Killeen, TX | 64 out of 100, Moderate | $4.6B | 9.1% | 1.23% | vs |