OTERO
Federal • Alamogordo, New Mexico • Est. 1953
Quick Facts
- Charter Number
- #8475
- Type
- Federal
- Established
- 1953
- Headquarters
- Alamogordo, New Mexico 88311-2800
- Address
- P.O. Box 2800
- Branches
- 7
- ATMs
- 6
- Members
- 33,773
- Membership Type
- Other/Unknown
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
33,773 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | OTERO |
|---|---|
| Total Assets | $519.7M |
| Members | 33,773 |
| Loans Outstanding | $249.4M |
| Shares & Deposits | $438.4M |
| Net Worth | $78.8M |
| Net Worth Ratio | 15.15% |
| Loan-to-Share Ratio | 56.9% |
| Delinquency Rate | 0.42% |
| Net Income | +$9,758,430 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
7 locations · 6 ATMs
Northside Office
3300 N White Sands Blvd Unit A
Alamogordo, NM 88310
Ruidoso Office
26086 US Highway 70
Ruidoso, NM 88345-6178
South Main Office
1900 S Main St
Roswell, NM 88203-1837
North Main Office
2211 N Main St
Roswell, NM 88201-6458
Holloman Office
PO BOX 1058
Holloman AFB, NM 88330
Who Can Join OTERO?
Membership Type: Other/Unknown
Membership eligibility for OTERO may vary. Contact the credit union directly to confirm qualification requirements.
Contact OTERO directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View New Mexico RankingsFrequently Asked Questions
Yes. OTERO is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, OTERO has 33,773 members and a potential membership field of 214,022 people.
OTERO's net worth ratio is 15.15% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 15.2%, OTERO meets this threshold.
OTERO operates 7 branch locations and has access to 6 ATMs. The main office is located at 1200 10th St, Alamogordo, NM 88310.
OTERO was established in 1953. It is a federal credit union chartered under charter number 8475. The institution has been serving members for 73 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or OTERO. All financial data is for informational purposes only.