OTERO Credit Union Profile

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OTERO

Charter #8475 | NCUA Region 3 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (575) 434-8500

Fax: (575) 434-8539

Founding Date: N/A

Website: https://www.oterofcu.org

Personnel & Operations

President: Bloom, Harry

Manager: Street, Melene

FT Employees: 97

PT Employees: 1

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 00

Branches: 6

Hours: M-F 8:30am - 5:30pm

Credit Union Profile Summary

OTERO is a FCU Credit Union. With a total of 33,947 members [1], this institution manages approximately $505,388,171 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 14.75% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -2.94% [1].

Financial Snapshot

Total Assets [1]
$505,388,171

Total economic resources.

Total Loans [1]
$244,501,088

Total value of outstanding loans.

Total Deposits [1]
$428,633,300

Total funds deposited by members.

Members [1]
33,947

Number of active members.

Performance Ratios

Net Worth Ratio [1]
14.75%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
1.60%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
57.04%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 6.11%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↓ -2.94%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -0.81%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

1200 10th St

Alamogordo, NM, 88310
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 7 branches reported by OTERO (Charter #8475).

Main Office

Administration Offices Main Office

Type: Corporate Office

1200 10th St

Alamogordo, NM 88310

Phone: (575) 434-8500

Services: None specified

Open in Directions

Additional Branches

Alamogordo

Main Office

Type: Branch Office

1200 10th St

Alamogordo, NM 88310

Phone: (575) 434-8500

Services: Member Services, ATM, Drive-Thru

Open in Directions

Northside Office

Type: Branch Office

3300 N White Sands Blvd Unit A

Alamogordo, NM 88310

Phone: (575) 434-8500

Services: Member Services, ATM, Drive-Thru

Open in Directions

Holloman Afb

Holloman Office

Type: Branch Office

PO BOX 1058

Bldg 786

Holloman Afb, NM 88330

Phone: (575) 434-8500

Services: Member Services, ATM, Drive-Thru

Open in Directions

Roswell

North Main Office

Type: Branch Office

2211 N Main St

Roswell, NM 88201-6458

Phone: (575) 434-8500

Services: Member Services, ATM, Drive-Thru

Open in Directions

South Main Office

Type: Branch Office

1900 S Main St

Roswell, NM 88203-1837

Phone: (575) 434-8500

Services: Member Services, ATM, Drive-Thru

Open in Directions

Ruidoso

Ruidoso Office

Type: Branch Office

26086 US Highway 70

Ruidoso, NM 88345-6178

Phone: (575) 434-8500

Services: Member Services, ATM, Drive-Thru

Open in Directions