TellerScore

Otero Federal Credit Union is a federal credit union headquartered in Alamogordo, New Mexico, in business for about 73 years. At the end of Q2 2026 it reported $535.3M in total assets and $450.7M in member shares and deposits, with 5 offices.

Based on its Q2 2026 filing, Otero Federal Credit Union scores 95/100, which we describe as very strong. That is higher than 98% of 1,341 credit unions with $100 million – $1 billion. Among 37 credit unions headquartered in New Mexico, it ranks 3rd. Its strongest component is capital cushion (100/100; 15.54%), and its lowest is earnings (89/100; 1.72%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.54%
Loan quality91/100
Loans 60+ days delinquent ÷ total loans: 0.26%
Earnings89/100
Return on assets (annualized): 1.72%
Funding & liquidity100/100
Loans ÷ shares: 55.5% · 2.9% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.21%

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 2 points (93 → 95), mostly because the earnings component improved by 6 points.

TellerScore
879195Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202487
Q3 202488
Q4 202487
Q1 202592
Q2 202593
Q3 202594
Q4 202593
Q1 202695
Q2 202695
Net worth ratio
7.00%11.27%15.54%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.21%
Q3 202414.37%
Q4 202414.54%
Q1 202514.44%
Q2 202514.75%
Q3 202515.09%
Q4 202515.15%
Q1 202615.21%
Q2 202615.54%
Delinquent loans (60+ days)
0.22%0.35%0.47%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.29%
Q3 20240.35%
Q4 20240.47%
Q1 20250.23%
Q2 20250.28%
Q3 20250.35%
Q4 20250.42%
Q1 20260.22%
Q2 20260.26%
Return on assets
1.10%1.41%1.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.10%
Q3 20241.15%
Q4 20241.18%
Q1 20251.48%
Q2 20251.57%
Q3 20251.62%
Q4 20251.57%
Q1 20261.67%
Q2 20261.72%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202695$535.3M15.54%0.26%1.72%55.5%
Q1 202695$532.5M15.21%0.22%1.67%55.2%
Q4 202593$519.7M15.15%0.42%1.57%56.9%
Q3 202594$508.7M15.09%0.35%1.62%57.8%
Q2 202593$505.4M14.75%0.28%1.57%57.0%
Q1 202592$502.9M14.44%0.23%1.48%57.0%
Q4 202487$486.7M14.54%0.47%1.18%59.2%
Q3 202488$481.4M14.37%0.35%1.15%60.4%
Q2 202487$476.3M14.21%0.29%1.10%61.5%

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 ratio15.54%
88th
Problem loans0.26%
85th
Net charge-offs0.58%
28th
Return on assets1.72%
94th
Loans to deposits55.5%
84th
Uninsured deposits2.9%
84th
Loan-loss reserves0.00%
50th
Texas ratio1.2%
87th

Similar-size credit unions in New Mexico

InstitutionScoreAssetsCapitalProblem loansCompare
White Sands Federal Credit UnionCredit union Las Cruces, NM86 out of 100, Very strong$413.8M13.2%0.11%vs
Rio Grande Credit UnionCredit union Albuquerque, NM60 out of 100, Moderate$666.0M9.1%0.86%vs
Guadalupe Credit UnionCredit union Santa Fe, NM68 out of 100, Moderate$348.2M12.5%1.57%vs
Zia Credit UnionCredit union Los Alamos, NM64 out of 100, Moderate$308.1M10.3%0.48%vs
Artesia Credit UnionCredit union Artesia, NM81 out of 100, Strong$172.7M16.1%1.08%vs
Estacado Federal Credit UnionCredit union Hobbs, NM87 out of 100, Very strong$120.0M14.1%0.73%vs

Deposit insurance

Is my money safe at Otero Federal Credit Union?

Yes. Otero Federal Credit Union is a federally insured credit union (NCUA charter #8475). 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 2.9% of shares and deposits ($12.9M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 15.54%, 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

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

All branch addresses and map

Identity & history

Profile

Legal name
Otero Federal Credit Union
Type
Federal credit union
NCUA charter #
8475
RSSD ID
232182
Primary regulator
NCUA
Established
1953
Headquarters
P.O. Box 2800, Alamogordo, NM 88311
Employees
98

Quick answers

Otero Federal Credit Union: common questions

Is Otero Federal Credit Union NCUA insured?

Yes. Otero Federal Credit Union is a federally insured credit union (NCUA charter #8475). 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 Otero Federal Credit Union's TellerScore?

95 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 Otero Federal Credit Union have?

5 offices as of the latest NCUA data.