RANKING ·
Lowest efficiency ratio in New Mexico
16 of 37 credit unions in New Mexico that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets and positive revenue. Institutions with equal values share a rank. Source: NCUA Call Report data.
| Rank | Institution | Headquarters | Efficiency ratio (noninterest expense / revenue) | Total assets |
|---|---|---|---|---|
| 1 | Artesia Credit Union | Artesia, NM | 55.5% | $173 million |
| 2 | Otero Federal Credit Union | Alamogordo, NM | 57.3% | $535 million |
| 3 | Sandia Area Federal Credit Union | Albuquerque, NM | 61.3% | $1.4 billion |
| 4 | Del Norte Credit Union | Los Alamos, NM | 61.8% | $1.5 billion |
| 5 | State Employees Credit Union | Santa Fe, NM | 63.0% | $1.3 billion |
| 6 | Estacado Federal Credit Union | Hobbs, NM | 63.5% | $120 million |
| 7 | Nusenda Federal Credit Union | Albuquerque, NM | 69.9% | $5.0 billion |
| 8 | White Sands Federal Credit Union | Las Cruces, NM | 73.3% | $414 million |
| 9 | Cannon Federal Credit Union | Clovis, NM | 74.6% | $102 million |
| 10 | Kirtland Federal Credit Union | Albuquerque, NM | 74.6% | $1.1 billion |
| 11 | Guadalupe Credit Union | Santa Fe, NM | 76.0% | $348 million |
| 12 | Rio Grande Credit Union | Albuquerque, NM | 76.4% | $666 million |
| 13 | Sunward Federal Credit Union | Albuquerque, NM | 77.1% | $4.6 billion |
| 14 | First Financial Credit Union | Albuquerque, NM | 83.2% | $1.1 billion |
| 15 | Zia Credit Union | Los Alamos, NM | 85.2% | $308 million |
| 16 | U.S. Eagle Federal Credit Union | Albuquerque, NM | 111.3% | $1.5 billion |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings