Credit union · NCUA insured
Northern New Mexico School Employees Federal Credit Union
A $45.2M credit union headquartered in Santa Fe, NM, with 1,606 members and 2 branches in 2 states. Best rates: CDs 5.12% APY.
Northern New Mexico School Employees Federal Credit Union Carrot Score
81
Carrot Score
Higher than 55% of U.S. banks and credit unions
#30 of 64 in Denver, CO metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Northern New Mexico School Employees Federal Credit Union
Northern New Mexico School Employees Federal Credit Union is a member-owned, federally chartered credit union headquartered in Santa Fe, New Mexico.
- Headquarters
- 614 Alta Vista St, Santa Fe, NM 87505
- NCUA charter
- 4805
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of this credit union, volunteers, and persons retired as pensioners or annuitants from qualifying employment.
- Employees of SER - Jobs for Progress, Inc. who work in or are paid from Santa Fe, New Mexico.
Military, government and schools
- Employees of the New Mexico Education Association of New Mexico State Department of Education working in or having headquarters in Santa Fe, New Mexico.
- Employees of New Mexico School for the Deaf in Santa Fe, New Mexico.
- Employees of public, private, and parochial school systems working in Santa Fe County, New Mexico.
- Employees of Springer Public School System and Springer State School of Boys who work in Colfax County, New Mexico.
8 more ways to join
Military, government and schools
- Employees of Wagon Mound Public School System who work in Mora County, New Mexico.
- Employees of Chama Valley Public School System, Dulce Public School System, and Jemez Mountain Public School System who work in Rio Arriba County, New Mexico.
- Employees of West Las Vegas Public School System, East Las Vegas Public School System, Pecos Public School System, and Luna Vocational School who work in San Miguel County, New Mexico.
- Full-time students of Pojoaque Valley High School, Santa Fe County, New Mexico.
- Full-time students at Santa Fe Senior High School and Vocational Technical School in Santa Fe, New Mexico, except those in the Adult Training Program.
- Students attending Santa Fe Community College in Santa Fe, New Mexico.
Family and household
- Members of the immediate family or household of eligible persons, and surviving spouses of persons who died while within the field of membership.
Other ways
- Organizations of such persons within the field of membership.
Branches
2 branches in 2 states
Loading map…
Colorado
1 branch
- InNetwork274 Union Blvd, Ste 410, Lakewood, CO 80228Directions
New Mexico
1 branch
- Northern NM School EFCUMain office614 Alta Vista St, Santa Fe, NM 87505Directions
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 | 12.48% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.82% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.99% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $31 | $59 | — |
- CapitalNet worth ratio12.48%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.82%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.99%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$31Peers’ 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 Northern New Mexico School Employees 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.