TellerScore

Roswell Community Federal Credit Union (NCUA charter #9093) is based in Roswell, New Mexico. Its Q2 2026 call report shows $50.3M in total assets and $39.9M in member shares and deposits and 2 offices across 2 states.

Roswell Community Federal Credit Union has a TellerScore of 83 out of 100 (strong) based on Q2 2026 data — higher than 72% of its 2,479 credit unions with under $100 million in assets. Among 37 credit unions headquartered in New Mexico, it ranks 10th. Capital cushion contributes the most (100/100, 16.82%); loan quality contributes the least (54/100, 1.39%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 16.82%
Loan quality54/100
Loans 60+ days delinquent ÷ total loans: 1.39%
Earnings100/100
Return on assets (annualized): 2.59%
Funding & liquidity73/100
Loans ÷ shares: 87.1% · 13.4% uninsured
Problem-loan coverage89/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.72%

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 7 points (90 → 83), mostly because the loan quality component weakened by 26 points.

TellerScore
758391Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202483
Q3 202479
Q4 202475
Q1 202590
Q2 202590
Q3 202586
Q4 202588
Q1 202691
Q2 202683
Net worth ratio
7.00%12.90%18.81%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.13%
Q3 202414.15%
Q4 202414.43%
Q1 202517.18%
Q2 202517.58%
Q3 202518.46%
Q4 202518.81%
Q1 202616.18%
Q2 202616.82%
Delinquent loans (60+ days)
0.53%1.12%1.70%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.65%
Q3 20241.26%
Q4 20241.70%
Q1 20250.65%
Q2 20250.61%
Q3 20251.00%
Q4 20250.77%
Q1 20260.53%
Q2 20261.39%
Return on assets
1.54%2.13%2.71%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.66%
Q3 20241.72%
Q4 20241.54%
Q1 20252.23%
Q2 20252.20%
Q3 20252.35%
Q4 20252.20%
Q1 20262.71%
Q2 20262.59%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202683$50.3M16.82%1.39%2.59%87.1%
Q1 202691$50.4M16.18%0.53%2.71%87.3%
Q4 202588$49.7M18.81%0.77%2.20%89.5%
Q3 202586$49.5M18.46%1.00%2.35%91.1%
Q2 202590$50.1M17.58%0.61%2.20%89.6%
Q1 202590$49.7M17.18%0.65%2.23%89.7%
Q4 202475$46.5M14.43%1.70%1.54%87.7%
Q3 202479$46.6M14.15%1.26%1.72%90.2%
Q2 202483$45.1M14.13%0.65%1.66%95.5%

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 ratio16.82%
64th
Problem loans1.39%
30th
Net charge-offs0.01%
68th
Return on assets2.59%
98th
Loans to deposits87.1%
12th
Uninsured deposits13.4%
4th
Loan-loss reserves0.00%
37th
Texas ratio5.7%
25th

Similar-size credit unions in New Mexico

InstitutionScoreAssetsCapitalProblem loansCompare
Everyone'S Federal Credit UnionCredit union Tucumcari, NM86 out of 100, Very strong$46.5M14.2%0.00%vs
Northern New Mexico School Employee Federal Credit UnionCredit union Santa Fe, NM68 out of 100, Moderate$44.5M12.5%1.82%vs
Chaves County School Employees Credit UnionCredit union Roswell, NM100 out of 100, Very strong$40.1M20.9%0.00%vs
Loco Credit UnionCredit union Alamogordo, NM46 out of 100, Below average$60.8M12.9%3.20%vs
Eddy Federal Credit UnionCredit union Carlsbad, NM80 out of 100, Strong$61.8M18.3%0.00%vs
Financial Security Credit UnionCredit union Carlsbad, NM81 out of 100, Strong$63.6M16.6%0.69%vs

Deposit insurance

Is my money safe at Roswell Community Federal Credit Union?

Yes. Roswell Community Federal Credit Union is a federally insured credit union (NCUA charter #9093). 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 13.4% of shares and deposits ($5.4M) 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 16.82%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Roswell Community Federal Credit Union lists 2 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Roswell Community Federal Credit Union
Type
Federal credit union
NCUA charter #
9093
RSSD ID
112387
Primary regulator
NCUA
Established
1953
Headquarters
2514 N Main St, Roswell, NM 88201
Employees
10

Quick answers

Roswell Community Federal Credit Union: common questions

Is Roswell Community Federal Credit Union NCUA insured?

Yes. Roswell Community Federal Credit Union is a federally insured credit union (NCUA charter #9093). 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 Roswell Community Federal Credit Union's TellerScore?

83 out of 100 (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 Roswell Community Federal Credit Union have?

2 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Roswell

InstitutionScoreAssetsCapitalProblem loansCompare
Chaves County School Employees Credit UnionCredit union Roswell, NM100 out of 100, Very strong$40.1M20.9%0.00%vs
Otero Federal Credit UnionCredit union Alamogordo, NM95 out of 100, Very strong$535.3M15.5%0.26%vs
First American BankBank Artesia, NM80 out of 100, Strong$1.9B11.8%0.53%vs
Pioneer BankBank Roswell, NM73 out of 100, Strong$1.1B12.3%1.71%vs
The James Polk Stone Community BankBank Portales, NM66 out of 100, Moderate$443.8M10.0%1.41%vs
The Florist Federal Credit UnionCredit union Roswell, NM64 out of 100, Moderate$7.1M15.1%1.90%vs