Charter 60467 · Los Alamos, NM
Zia Credit Union
Zia Credit Union is a state-chartered credit union in Los Alamos, New Mexico, with $308 million in assets and 14,545 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 10.35%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $308 million
- +21.7% in a year
- Members
- 14,545
- +7.6% in a year
- Net worth ratio
- 10.35%
- Peer median 11.65%
- Loans 60+ days late
- 0.48%
- Peer median 0.70%
- Loans outstanding
- $220 million
- +16.9% in a year
- Shares and deposits
- $247 million
- +5.5% in a year
- Branches
- 3
- 75 employees
- Opened
- 1955
- New Mexico charter
How Zia Credit Union compares
NCUA groups credit unions by size; Zia Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 10.35% is lower than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.48%, is lower than the group median of 0.70%. Loans grew 16.9% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 13 of 37 credit unions headquartered in New Mexico. See all New Mexico credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $308 million | 14,545 | $220 million | 10.35% | 0.48% |
| Q1 2026 | $274 million | 14,198 | $208 million | 11.55% | 0.41% |
| Q4 2025 | $261 million | 13,959 | $205 million | 8.12% | 0.39% |
| Q3 2025 | $255 million | 13,789 | $200 million | 8.11% | 0.49% |
| Q2 2025 | $253 million | 13,523 | $188 million | 7.98% | 0.45% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 1.5 million potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital. It is designated a minority depository institution.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 3 sites for Zia Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Main Office (main office)
1001 Central Ave, Los Alamos, NM 87544 - Espanola Branch
707 S Riverside Dr, Espanola, NM 87532 - Santa Fe Office
111 N Saint Francis Dr, Santa Fe, NM 87501
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology