Credit union · NCUA insured
Guadalupe Credit Union
Top CarrotA $348.6M credit union headquartered in Santa Fe, NM, with 31,561 members and 7 branches in New Mexico. Best rates: CDs 4.34% and savings 0.10% APY.
Guadalupe Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 89% of U.S. banks and credit unions
#3 of 18 in Santa Fe, NM metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Guadalupe Credit Union
Established in 1948 in Santa Fe to serve parishioners of Our Lady of Guadalupe Church, Guadalupe Credit Union is a not-for-profit financial cooperative.
After expanding through mergers across Santa Fe and Mora, the credit union operates seven branch locations across Northern New Mexico.
GCU was designated a Community Development Financial Institution in 2010 and earned the Juntos Avanzamos designation in 2015 for serving Hispanic and immigrant communities.
- Headquarters
- 2019 Galisteo St Ste K1, Santa Fe, NM 87505-2159
- NCUA charter
- 66149
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This may be incomplete or out of date, so check with the credit union before you apply.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 employed or residing in Santa Fe County, Mora County, Rio Arriba County, San Miguel County, Taos County, Colfax County, or Torrance County.
Military, government and schools
- Employees and family members of employees of the Health and Environment, Human Services, and Children Youth and Family Departments of the State of New Mexico.
Family and household
- Immediate family members of current GCU members.
Cost to join
- A $5.00 minimum balance is required for the account.
- A $1.00 one-time membership fee is required.
Branches
7 branches in New Mexico
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New Mexico
7 branches
Santa Fe area · 3
- Airport Branch3721 Academy Road, Santa Fe, NM 87507Directions
- Don Diego Branch1101 Don Diego Ave, Santa Fe, NM 87505Directions
- Rodeo Branch3601 Mimbres Ln, Santa Fe, NM 87507Directions
Las Vegas area · 2
- Las Vegas Branch2504 7th St, Las Vegas, NM 87701Directions
- Mora Branch#508 Nm 518, Mora, NM 87732Directions
Taos area · 1
- Taos Branch1520 Paseo del Pueblo Norte, El Prado, NM 87529Directions
Española area · 1
- Espanola Branch845 N. Riverside Drive, Española, NM 87532Directions
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 | 12.51% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.57% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.03% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $71 | $76 | — |
- CapitalNet worth ratio12.51%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.57%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.03%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$71Peers’ 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 Guadalupe Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.