Credit union · NCUA insured
One Source Federal Credit Union
A $125.1M credit union headquartered in El Paso, TX, with 10,823 members and 3 branches in 2 states. Best rates: CDs 3.30% and savings 1.00% APY.
One Source Federal Credit Union Carrot Score
78
Carrot Score
Higher than 45% of U.S. banks and credit unions
#8 of 17 in El Paso, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About One Source Federal Credit Union
- Headquarters
- 8870 Gazelle Dr, El Paso, TX 79925
- NCUA charter
- 2115
Branches
3 branches in 2 states
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Texas
2 branches
- Main OfficeMain office8870 Gazelle Dr, El Paso, TX 79925Directions
- Westside Branch5730 Cromo Dr, El Paso, TX 79912Directions
New Mexico
1 branch
- Las Cruces Branch1375 E Boutz Rd, Las Cruces, NM 88001Directions
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 | 10.29% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.28% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | -0.44% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $65 | $76 | — |
- CapitalNet worth ratio10.29%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.28%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets-0.44%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$65Peers’ 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 One Source 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.