Credit union · NCUA insured
Everyone's Federal Credit Union
A $48.7M credit union headquartered in Tucumcari, NM, with 4,565 members and 3 branches in New Mexico. Best rates: CDs 2.85% and savings 0.45% APY.
Everyone's Federal Credit Union Carrot Score
63
Carrot Score
Higher than 10% of U.S. banks and credit unions
#53 of 58 in New MexicoHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Everyone's Federal Credit Union
Everyone’s Federal Credit Union was originally founded and federally chartered in 1954 in Tucumcari, New Mexico, as Southern Pacific Railway Employees Federal Credit Union, before changing its name in 1999.
The member-owned credit union serves Quay, Union, and Guadalupe counties in Eastern New Mexico and offers business and agricultural banking services.
- Headquarters
- 505 E Route 66 Blvd, Tucumcari, NM 88401-3137
- NCUA charter
- 9370
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Membership is available to individuals who live, work, or worship within Quay, Union, and Guadalupe Counties of the State of New Mexico.
Cost to join
- A minimum deposit of $25.00 in a share-savings account is required to open an account.
Branches
3 branches in New Mexico
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New Mexico
3 branches
Tucumcari area · 1
- MainMain office505 E Route 66 Blvd, Tucumcari, NM 88401Directions
Santa Rosa area · 1
- Santa Rosa Branch1079 Historic Route 66, Santa Rosa, NM 88435Directions
Vaughn area · 1
- Vaughn Branch483 Wells Street, Ste. #2, Vaughn, NM 88353Directions
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 | 14.17% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.00% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.67% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $71 | $59 | — |
- CapitalNet worth ratio14.17%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.00%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.67%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$71Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 Everyone's 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.