TellerScore

Sandia Area Federal Credit Union is a federal credit union headquartered in Albuquerque, New Mexico, in business for about 70 years. At the end of Q2 2026 it reported $1.4B in total assets and $1.3B in member shares and deposits, with 7 offices.

Based on its Q2 2026 filing, Sandia Area Federal Credit Union scores 75/100, which we describe as strong. That is higher than 75% of 454 credit unions with $1 billion – $10 billion. Among 37 credit unions headquartered in New Mexico, it ranks 16th. Its strongest component is problem-loan coverage (97/100; 1.4%), and its lowest is funding & liquidity (60/100; 100% loans-to-deposits, 14% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion64/100
Net worth ratio: 11.44%
Loan quality95/100
Loans 60+ days delinquent ÷ total loans: 0.15%
Earnings68/100
Return on assets (annualized): 1.21%
Funding & liquidity60/100
Loans ÷ shares: 99.8% · 13.6% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.42%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (74 → 75).

TellerScore
717375Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202471
Q3 202471
Q4 202471
Q1 202574
Q2 202574
Q3 202575
Q4 202574
Q1 202675
Q2 202675
Net worth ratio
7.00%9.22%11.44%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.01%
Q3 202411.10%
Q4 202411.00%
Q1 202510.77%
Q2 202510.93%
Q3 202511.12%
Q4 202511.11%
Q1 202611.23%
Q2 202611.44%
Delinquent loans (60+ days)
0.08%0.14%0.20%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.08%
Q3 20240.14%
Q4 20240.12%
Q1 20250.14%
Q2 20250.14%
Q3 20250.13%
Q4 20250.20%
Q1 20260.18%
Q2 20260.15%
Return on assets
0.74%1.02%1.30%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.74%
Q3 20240.79%
Q4 20240.84%
Q1 20251.16%
Q2 20251.22%
Q3 20251.30%
Q4 20251.26%
Q1 20261.21%
Q2 20261.21%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$1.4B11.44%0.15%1.21%99.8%
Q1 202675$1.4B11.23%0.18%1.21%97.8%
Q4 202574$1.4B11.11%0.20%1.26%98.5%
Q3 202575$1.4B11.12%0.13%1.30%100.3%
Q2 202574$1.3B10.93%0.14%1.22%98.6%
Q1 202574$1.3B10.77%0.14%1.16%97.6%
Q4 202471$1.2B11.00%0.12%0.84%100.8%
Q3 202471$1.2B11.10%0.14%0.79%101.7%
Q2 202471$1.2B11.01%0.08%0.74%98.9%

454 peers · $1 billion – $10 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 ratio11.44%
61st
Problem loans0.15%
97th
Net charge-offs0.25%
81st
Return on assets1.21%
81st
Loans to deposits99.8%
15th
Uninsured deposits13.6%
19th
Loan-loss reserves0.00%
50th
Texas ratio1.4%
92nd

Similar-size credit unions in New Mexico

InstitutionScoreAssetsCapitalProblem loansCompare
U.S. Eagle Federal Credit UnionCredit union Albuquerque, NM21 out of 100, Low$1.5B7.8%6.91%vs
Del Norte Credit UnionCredit union Los Alamos, NM66 out of 100, Moderate$1.5B9.4%0.45%vs
State Employees Credit UnionCredit union Santa Fe, NM46 out of 100, Below average$1.3B11.4%4.46%vs
First Financial Credit UnionCredit union Albuquerque, NM50 out of 100, Below average$1.1B8.1%1.40%vs
Kirtland Federal Credit UnionCredit union Albuquerque, NM71 out of 100, Strong$1.1B12.4%0.79%vs
Sunward Federal Credit UnionCredit union Albuquerque, NM60 out of 100, Moderate$4.6B8.9%0.40%vs

Deposit insurance

Is my money safe at Sandia Area Federal Credit Union?

Yes. Sandia Area Federal Credit Union is a federally insured credit union (NCUA charter #11316). 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 13.6% of shares and deposits ($169.9M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 11.44%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

7 locations

Branches

Sandia Area Federal Credit Union lists 7 offices in 3 cities. Most locations:

All branch addresses and map

CFPB TCCP survey · December 31, 2025

Credit card terms

CardPurchase APRAnnual feeLate feeForeign fee
Consumer Credit Card8.49% – 17.99%$0$251.0%

All Sandia Area Federal Credit Union card terms

Identity & history

Profile

Legal name
Sandia Area Federal Credit Union
Type
Federal credit union
NCUA charter #
11316
RSSD ID
534783
Primary regulator
NCUA
Established
1956
Headquarters
P.O. Box 18044, Albuquerque, NM 87185
Employees
222

Quick answers

Sandia Area Federal Credit Union: common questions

Is Sandia Area Federal Credit Union NCUA insured?

Yes. Sandia Area Federal Credit Union is a federally insured credit union (NCUA charter #11316). 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 Sandia Area Federal Credit Union's TellerScore?

75 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 Sandia Area Federal Credit Union have?

7 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Albuquerque

InstitutionScoreAssetsCapitalProblem loansCompare
DSRM National BankBank Albuquerque, NM94 out of 100, Very strong$4.4M84.5%0.00%vs
Main BankBank Albuquerque, NM82 out of 100, Strong$245.2M11.5%0.00%vs
First American BankBank Artesia, NM80 out of 100, Strong$1.9B11.8%0.53%vs
Citizens Bank of Las CrucesBank Las Cruces, NM76 out of 100, Strong$1.2B10.4%0.43%vs
Santa Fe Federal Credit UnionCredit union Amarillo, TX73 out of 100, Strong$214.8M12.9%0.48%vs
Kirtland Federal Credit UnionCredit union Albuquerque, NM71 out of 100, Strong$1.1B12.4%0.79%vs