Sep, 30, 2025 — ZIA CREDIT UNION is a federally insured state chartered credit union headquartered in LOS ALAMOS, NM with 3 branch locations and about $255.07 million in total assets. Opened 71 years ago in 1955, ZIA CREDIT UNION has about 13,789 members and employs 66 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | ZIA CREDIT UNION |
|---|---|
| Address: (Main Office) | 1001 Central Ave LOS ALAMOS, NM 87544 |
| Phone: | (505) 662-4671 |
| Fax: | |
| Website: | https://www.ziacu.org |
| Branches: | 3 branch locations |
| Members: | 13,789 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 60467 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1955 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $255,070,008 |
| CEO/Manager: | Dwayne B Herrera |
| Chairperson: | Juan Carlos Garcia |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 14,135,969 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 42,516,024 |
| Unsecured Loans | 15,906,640 |
| Other Loans | 137,602,068 |
| TOTAL LOANS | 200,384,265 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -1,515,416 |
| Land And Building | 5,487,774 |
| Other Fixed Assets | 562,121 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 2,107,652 |
| All Other Assets | 148,500 |
| TOTAL ASSETS | 255,070,008 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 1,010,582 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 43,578,695 |
| Regular shares | 109,424,725 |
| All Other Shares & Deposits | 81,731,610 |
| TOTAL SHARES & DEPOSITS | 234,735,030 |
| TOTAL LIABILITIES | 235,745,612 |
| Regular Reserve | 0 |
| Other Reserves | 2,504,649 |
| Undivided Earnings | 16,819,747 |
| TOTAL EQUITY | 19,324,396 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 255,070,008 |
| INCOME & EXPENSE | |
| Loan Income | 9,078,092 |
| Investment Income | 834,549 |
| Other Income | 2,208,323 |
| Total Employee Compensation & Benefits | 4,233,506 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 3,051,457 |
| Non-operating Income & (Expense) | 142,172 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 872,000 |
| Cost of Funds | 2,709,497 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 1,523,705 |
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