Credit union · NCUA insured
Artesia Credit Union
A $168.4M credit union headquartered in Artesia, NM, with 9,844 members and 2 branches in New Mexico. Best rates: CDs 4.32% and savings 0.75% APY.
Artesia Credit Union Carrot Score
74
Carrot Score
Higher than 37% of U.S. banks and credit unions
#6 of 7 in Roswell, NM metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Artesia Credit Union
Headquartered in Artesia, New Mexico, Artesia Credit Union is a member-owned cooperative financial services institution founded in 1955 as Artesia School Employees Credit Union.
Renamed Artesia Credit Union in 2005, it operates as the largest credit union in Southeastern New Mexico.
- Headquarters
- 210 N 5th St, Artesia, NM 88210-2000
- NCUA charter
- 62783
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Residents of New Mexico are eligible for membership.
Employers and groups
- Residents of New Mexico who are executive officers, board members, committee members, and employees of credit unions, or executive officers, directors, and employees of qualifying employers without a separate credit union, are eligible for membership.
- Employees and retirees of specified employer and corporate groups in the area, as well as employees of this credit union, are eligible for membership.
Military, government and schools
- Employees of the Artesia Public Schools, members of the Board of Education of the Artesia Public Schools, members of the Artesia Association of Educational Retirees, and any retired school employee residing in Eddy County are eligible for membership.
- Employees of the City of Artesia and employees of the Eddy County Sheriff's Department are eligible for membership.
Family and household
- Members of the immediate families of members qualified under Subsection A or B are eligible for membership.
3 more ways to join
Family and household
- Members of the immediate families of qualifying eligible persons are eligible for membership.
Other ways
- Residents of New Mexico in the field of membership of liquidated credit unions entering voluntary or involuntary liquidation proceedings are eligible for membership.
- Organizations of eligible persons are eligible for membership.
Branches
2 branches in New Mexico
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New Mexico
2 branches
Carlsbad area · 1
- Credit Union OfficeMain office210 N 5th St, Artesia, NM 88210Directions
Roswell area · 1
- Chaves County School Emp CU1401 N Lea Ave, Roswell, NM 88201Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 16.12% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.08% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.36% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $80 | $76 | — |
- CapitalNet worth ratio16.12%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.08%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.36%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$80Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Artesia Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.