Credit union · NCUA insured
Estacado Federal Credit Union
A $119.3M credit union headquartered in Hobbs, NM, with 8,844 members and 4 branches in 2 states. Best rates: CDs 4.10% and savings 0.40% APY.
Estacado Federal Credit Union Carrot Score
85
Carrot Score
Higher than 71% of U.S. banks and credit unions
#1 of 5 in Hobbs, NM metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Estacado Federal Credit Union
Established in 1953 by Hobbs Municipal Schools personnel in Hobbs, New Mexico, Estacado Federal Credit Union was created to help members accumulate savings and access credit.
After expanding through mergers and renaming as Lea Community FCU in 2001, it merged with Estacado Credit Union in 2014 to become Estacado Federal Credit Union.
The credit union operates multiple branches serving members across communities in Lea County, New Mexico, as well as Gaines, Yoakum, and Cochran counties in Texas.
- Headquarters
- 2220 N DAL PASO St, Hobbs, NM 88240-3048
- NCUA charter
- 8299
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Individuals who live, work, worship, or attend school in Cochran County, Texas are eligible for membership.
- Individuals who live, work, worship, or attend school in Gaines County, Texas are eligible for membership.
- Individuals who live, work, worship, or attend school in Lea County, New Mexico are eligible for membership.
- Individuals who live, work, worship, or attend school in Yoakum County, Texas are eligible for membership.
Military, government and schools
- In person or online students of New Mexico Junior College or University of the Southwest in Lea County are eligible for membership.
Family and household
- Individuals who have a family member who already belongs to Estacado Federal Credit Union are eligible for membership.
1 more way to join
Family and household
- Individuals who live in a household of an existing member are eligible for membership.
Cost to join
- A $1 one-time membership fee applies.
- A minimum $25 savings deposit is required to open an account.
Branches
4 branches in 2 states
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New Mexico
3 branches
- Main OfficeMain office2220 N DAL PASO St, Hobbs, NM 88240Directions
- Branch Office911 Main St, Eunice, NM 88231Directions
- Branch Office220 N Love St, Lovington, NM 88260Directions
Texas
1 branch
- Branch Office324 N Main Ave, Denver City, TX 79323Directions
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 | 14.05% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.73% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.84% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $75 | $76 | — |
- CapitalNet worth ratio14.05%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.73%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.84%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$75Peers’ 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 Estacado Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.