Credit union · NCUA insured
ZIA CU
A $273.6M credit union headquartered in Los Alamos, NM, with 14,198 members and 3 branches in New Mexico. Best rates: CDs 4.29% and savings 0.10% APY.
ZIA CU Carrot Score
81
Carrot Score
Higher than 56% of U.S. banks and credit unions
#9 of 18 in Santa Fe, NM metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About ZIA CU
Founded in 1955 and headquartered in Los Alamos, New Mexico, Zia Credit Union is a member-owned cooperative financial institution.
Established by Zia Company contractor employees, the credit union expanded membership to Los Alamos in 1975 and later to Santa Fe and Taos counties in 2008.
- Headquarters
- 1001 Central Ave, Los Alamos, NM 87544
- NCUA charter
- 60467
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone who makes a one-time donation of at least $10.00 to the Zia Credit Union Education Foundation is eligible for membership.
Where you live or work
- Individuals who live, work, or worship in Bernalillo, Doña Ana, Los Alamos, Mora, Rio Arriba, San Miguel, Sandoval, Santa Fe, Sierra, Socorro, Taos, Torrance, or Valencia counties are eligible for membership.
- Individuals who live, work, or worship in a primarily rural and/or underserved area of New Mexico are eligible for membership.
Family and household
- Individuals related to a current ZIA CU member are eligible for membership.
Other ways
- Former members of ZIA CU are eligible to rejoin.
Cost to join
- Membership requires opening a Share Savings Account with a minimum balance of $25.
Branches
3 branches in New Mexico
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New Mexico
3 branches
Los Alamos area · 1
- Main OfficeMain office1001 Central Ave, Los Alamos, NM 87544Directions
Española area · 1
- Espanola Branch707 S Riverside Dr, Española, NM 87532Directions
Santa Fe area · 1
- Santa Fe Office111 N Saint Francis Dr, Santa Fe, NM 87501Directions
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 | 10.35% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.48% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.49% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $89 | $76 | — |
- CapitalNet worth ratio10.35%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.48%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.49%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$89Peers’ 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 ZIA CU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.