TellerScore

Headquartered in Los Alamos, New Mexico, Zia Credit Union is a federally insured state-chartered credit union with $308.1M in total assets and $246.7M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1955.

Zia Credit Union has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 31% of its 1,341 credit unions with $100 million – $1 billion. Among 37 credit unions headquartered in New Mexico, it ranks 28th. Problem-loan coverage contributes the most (92/100, 3.8%); earnings contributes the least (38/100, 0.45%).

TellerScore · Q2 2026

Scorecard

Capital cushion53/100
Net worth ratio: 10.35%
Loan quality84/100
Loans 60+ days delinquent ÷ total loans: 0.48%
Earnings38/100
Return on assets (annualized): 0.45%
Funding & liquidity71/100
Loans ÷ shares: 89.1% · 5.1% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.84%

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 (62 → 64), mostly because the capital cushion component improved by 23 points.

TellerScore
596571Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202460
Q3 202459
Q4 202459
Q1 202560
Q2 202562
Q3 202561
Q4 202562
Q1 202671
Q2 202664
Net worth ratio
7.00%9.28%11.55%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.00%
Q3 20248.12%
Q4 20248.07%
Q1 20257.87%
Q2 20257.98%
Q3 20258.11%
Q4 20258.12%
Q1 202611.55%
Q2 202610.35%
Delinquent loans (60+ days)
0.33%0.42%0.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.33%
Q3 20240.50%
Q4 20240.51%
Q1 20250.35%
Q2 20250.45%
Q3 20250.49%
Q4 20250.39%
Q1 20260.41%
Q2 20260.48%
Return on assets
0.38%0.60%0.82%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.38%
Q3 20240.52%
Q4 20240.53%
Q1 20250.50%
Q2 20250.82%
Q3 20250.80%
Q4 20250.77%
Q1 20260.61%
Q2 20260.45%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$308.1M10.35%0.48%0.45%89.1%
Q1 202671$273.6M11.55%0.41%0.61%85.9%
Q4 202562$260.6M8.12%0.39%0.77%85.5%
Q3 202561$255.1M8.11%0.49%0.80%85.4%
Q2 202562$253.2M7.98%0.45%0.82%80.4%
Q1 202560$247.3M7.87%0.35%0.50%77.8%
Q4 202459$237.4M8.07%0.51%0.53%79.4%
Q3 202459$231.6M8.12%0.50%0.52%80.9%
Q2 202460$229.3M8.00%0.33%0.38%77.5%

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 ratio10.35%
34th
Problem loans0.48%
67th
Net charge-offs0.35%
50th
Return on assets0.45%
27th
Loans to deposits89.1%
19th
Uninsured deposits5.1%
59th
Loan-loss reserves0.00%
50th
Texas ratio3.8%
52nd

Similar-size credit unions in New Mexico

InstitutionScoreAssetsCapitalProblem loansCompare
Guadalupe Credit UnionCredit union Santa Fe, NM68 out of 100, Moderate$348.2M12.5%1.57%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
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
Otero Federal Credit UnionCredit union Alamogordo, NM95 out of 100, Very strong$535.3M15.5%0.26%vs

Deposit insurance

Is my money safe at Zia Credit Union?

Yes. Zia Credit Union is a federally insured credit union (NCUA charter #60467). 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 5.1% of shares and deposits ($12.6M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.35%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Zia Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Zia Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
60467
RSSD ID
483591
Primary regulator
State + NCUA
Established
1955
Headquarters
P.O. Box 490, Los Alamos, NM 87544
Employees
75

Quick answers

Zia Credit Union: common questions

Is Zia Credit Union NCUA insured?

Yes. Zia Credit Union is a federally insured credit union (NCUA charter #60467). 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 Zia Credit Union's TellerScore?

64 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 Zia Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Los Alamos

InstitutionScoreAssetsCapitalProblem loansCompare
Sandia Area Federal Credit UnionCredit union Albuquerque, NM75 out of 100, Strong$1.4B11.4%0.15%vs
Los Alamos Schools Credit UnionCredit union Los Alamos, NM71 out of 100, Strong$32.4M11.7%0.74%vs
Guadalupe Credit UnionCredit union Santa Fe, NM68 out of 100, Moderate$348.2M12.5%1.57%vs
Del Norte Credit UnionCredit union Los Alamos, NM66 out of 100, Moderate$1.5B9.4%0.45%vs
Jemez Valley Credit UnionCredit union Jemez Springs, NM66 out of 100, Moderate$27.3M12.6%1.00%vs
UMB Bank, National AssociationBank Kansas City, MO65 out of 100, Moderate$71.9B8.9%0.34%vs