credit union

Eddy

Carlsbad, NM · Est. 1954
A
Trust Grade
Excellent
Score: 96/100

Eddy is a credit union based in Carlsbad, New Mexico, established in 1954, with $62 million in total assets serving 4,950 members. By Trust Grade it ranks 16th of 37 credit unions we track in New Mexico. Its net worth ratio of 18.1% is stronger than 71% of similarly sized credit unions, versus a New Mexico median of 13.2%. It was profitable over the most recent period, with a 0.70% return on assets. No consumer complaints against Eddy appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$62.1M
<$100M institution
Members
4,950
Shares & deposits
—
Net worth ratio
18.1%
Top 29% of <$100M peers · New Mexico median 13.2%
Return on assets
0.7%
Top 45% of <$100M peers · New Mexico median 0.77%
Rank in New Mexico
#16
of 37 credit unions

How Eddy compares to New Mexico peers

Net worth ratio
Top 29% of <$100M peers
Eddy
18.1%
New Mexico median
13.2%
Higher capital ratio = stronger financial cushion
Return on assets
Top 45% of <$100M peers
Eddy
0.7%
New Mexico median
0.8%
Higher ROA = more profitable relative to asset base

How we graded Eddy

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
96/100
Customer experience
n/a
Overall
A · 96
  • Strongly capitalized (18.1% capital ratio)
  • Profitable (ROA 0.70%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Eddy over the analysis window. For a smaller institution this is common and counts in its favor.

Are deposits at Eddy insured?

Yes. Eddy is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

Eddy: frequently asked questions

Is Eddy a good credit union?

Eddy earns a Bankzia Trust Grade of A (96/100, "Excellent"), based on a financial-strength score of 96/100 (it has no CFPB complaints on record). Strongly capitalized (18.1% capital ratio); Profitable (ROA 0.70%).

Is Eddy NCUA-insured?

Yes. Eddy is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.

How big is Eddy?

Eddy holds $62 million in total assets, ranking 16th of 37 credit unions we track in New Mexico. It serves 4,950 members.

Does Eddy have CFPB complaints?

No CFPB complaints against Eddy appear in our data over the analysis window, which is typical for a credit union of this size.

Similar Credit Unions

Loco
credit union · Alamogordo, NM · $62M assets
Financial Security
credit union · Carlsbad, NM · $64M assets
Roswell Community
credit union · Roswell, NM · $50M assets
Everyone's
credit union · Tucumcari, NM · $49M assets
Northern New Mexico School Employee
credit union · Santa Fe, NM · $45M assets
Railroad Employees
credit union · Belen, NM · $79M assets

Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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