Credit union · NCUA insured
Los Alamos Schools Credit Union
A $32.2M credit union headquartered in Los Alamos, NM, with 2,221 members and 1 branch in New Mexico. Best rates: CDs 4.21% and savings 0.76% APY.
Los Alamos Schools Credit Union Carrot Score
79
Carrot Score
Higher than 50% of U.S. banks and credit unions
#4 of 5 in Los Alamos, NM metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Los Alamos Schools Credit Union
Founded in 1955 as a state-chartered credit union, Los Alamos Schools Credit Union provides financial services to the Los Alamos and White Rock education community and their families.
Based in Los Alamos, New Mexico, the member-owned financial cooperative is governed by an elected volunteer Board of Directors.
- Headquarters
- 1010 Central Ave., Los Alamos, NM 87544
- NCUA charter
- 61165
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Membership is open to all home school educators and students in Los Alamos County.
- Membership is open to all Los Alamos School System employees, students, alumni, and retirees.
- Membership is open to all employees and students of Montessori and Charter School Systems in Los Alamos County.
- Membership is open to school affiliated organizations, including all their employees and membership.
- Membership is open to all employees and students of UNM-Los Alamos.
Family and household
- Membership is open to immediate family of members, defined as spouse, child, grandchild, parent, brother, sister, aunt, uncle, step-relatives of these types, and spouses of any of the above.
1 more way to join
Other ways
- Individuals can become eligible for membership by making a one-time $100 donation to the Los Alamos Public Schools Foundation.
Branches
1 branch in New Mexico
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New Mexico
1 branch
- Los Alamos Schools CUMain office1010 Central Ave., Los Alamos, NM 87544Directions
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 | 11.68% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.74% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.68% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $70 | $59 | — |
- CapitalNet worth ratio11.68%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.74%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.68%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$70Peers’ 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 Los Alamos Schools Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.