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Everyone's Credit Union

Overview
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Everyone's Credit Union is a federal credit union based in Tucumcari, New Mexico. It has been opened since 1954, for 66 years.

With around $30,030,000 in assets, Everyone's Credit Union is considered to be an average size credit union. It has 3 branches and 3 ATM locations.

About
Address P. O. Box 1023
Tucumcari, New Mexico 88401
Website http://everyonesfcu.com
Phone (575) 461-0433
Fax (575) 461-0469
CEO Andrea (Andi) A. Baum
President of the Board Pat Maes
Services Offered
Map
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Score Card
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66 years
Years in business
Opened in 1954
Well Capitalized
Net worth classification
Source: NCUA
4,674 members
Membership type: Multiple common bond – primary transportation
Average number of members
292:1
Credit union member to staff ratio
292 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
$30,031,959
Total assets
Average size
3 branches
Compared with an average of 4 nationally and 3 in New Mexico
Above average number of branches
0.55%
Savings interest rate
Compared to 0.3% nationally
12.49%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches
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3 branches
Compared with an average of 4 nationally and 3 in New Mexico
Above average number of branches
Everyone's Credit Union Branch Locations

Everyone's Credit Union: Vaughn Branch
483 Wells Street, Suite #2
Vaughn, New Mexico 88353
ATM Available
Everyone's Credit Union: Santa Rosa Branch
944 Historic Route 66
Santa Rosa, New Mexico 88435
ATM Available
Everyone's Credit Union: Main
505 E. Route 66 Boulevard
Tucumcari, New Mexico 88401
ATM Available
Members
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4,674 members
Membership type: Multiple common bond – primary transportation
Average number of members

With 4,674 members, the Everyone's Credit Union is considered to be a medium size credit union. It is larger than 55% of credit unions.

Fees
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$84
Average fee per member
The average fee per member at the Everyone's Credit Union is $84, which is high compared to most credit unions. This rate is higher than 77% of all credit unions.
Fees are higher than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Everyone's Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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292:1
Credit union member to staff ratio
292 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
16 staff members
FTE (full-time equivalent)
32% of employees are part-time
13 full-time, 6 part-time

Everyone's Credit Union has 13 full-time staff members and 6 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 68% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Everyone's Credit Union has around 292 members per staff, a low ratio compared to other credit unions. This is a well staffed credit union.

Assets
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$30,031,959
Total assets
Average size
Net worth
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
15.4%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases
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$9,369
Average loan and lease size
Loan & lease sizes are average sized. They are bigger than at 43% of credit unions.

Everyone's Credit Union holds a total of $14,100,000 in loans and leases, which is about $9,369 per member on average.

Savings interest rate
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0.55%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Everyone's Credit Union pays 0.55%.

Loan rates
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12.49%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
12.00%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
5.82%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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4.00%
New car loan rate
Compared to 4.0% nationally
7.14%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
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4.94%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
8.50%
Other real estate loan rates
Compared to 0.9% nationally
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