At a glance
From its website, read 29 Oct 2026Nusenda Credit Union is a credit union based in Albuquerque, New Mexico. Its website describes auto loans, commercial real estate loans, equipment loans and 3 other loan types. Where it lends: New Mexico and West Texas. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Lending | (505) 872-5416 source |
|---|---|
| Toll-free | (800) 347-2838 source |
| Apply online | Page with the application link |
| Website | www.nusenda.org |
| Office (official list) | PO Box 8530, Albuquerque, NM 87198 |
What their website says about applying
Submit your secure application online with no fees.
sourceLast two years' tax returns.
sourceTwo most recent pay stubs.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 29 Oct 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Loans (general) | Term: see their wording | Fixed rate for the life of the loan (up to 180 months or 15 years) | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 14 Nov 2017 |
| RSSD ID | 763976 |
| Address | PO Box 8530, Albuquerque, NM 87198 |
| Website | www.nusenda.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 29 Oct 2026Read from 6 pages of the lender's website on 29 Oct 2026. Quotes are verbatim. Reviewed by a person (Oct 2026). Items added later were extracted with AI help and checked automatically against the pages listed below. Confidence: high. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | Get a great auto loan rate when you visit one of our Preferred Dealers. | source |
| Commercial real estate loans | — | Real estate loans with 5 or 7-year fixed rates, terms up to 10 years, and up to 25-year amortizations. | source |
| Equipment loans | — | Purchase equipment or real estate with a term loan | source |
| Home mortgages | — | If you are looking to refinance your mortgage, | source |
| SBA-backed loans (7(a)/504/Community Advantage) | — | Small Business Administration (SBA) 504 loan | source |
| Small-business loans | — | Diverse commercial lending solutions to help your business grow and thrive. | source |
Loan sizes
No amounts stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Log In To Your Account Join or Apply Today!
source
Pages read (6)
- https://www.nusenda.org/
- https://www.nusenda.org/loans-credit-cards/auto-loans/preferred-dealer-program
- https://www.nusenda.org/loans-credit-cards/auto-loans/fuel-efficient-auto-program
- https://www.nusenda.org/mortgages/refinance
- https://www.nusenda.org/mortgages/home-equity-loans
- https://www.nusenda.org/business/commercial-lending
Questions to ask when you contact them
Based on what their website said when we read it on 29 Oct 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and home mortgages?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your commercial real estate loans and equipment loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$2.7 million in 3 awards from the U.S. Treasury's CDFI Fund, 2015–2021 (CDFI Program, Financial Assistance; CDFI Program, Technical Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2020 | CDFI Program, Financial Assistance | $750,000 |
| 2015 | CDFI Program, Technical Assistance | $124,950 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as NUSENDA (charter 948). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $5 billion (as of 30 Jun 2026) |
|---|---|
| Members | 299,021 (as of 30 Jun 2026) |
| Offices | 33 in 2 states (as of 30 Jun 2026) |
Offices by state and county (33)
New Mexico (28 offices)
- Bernalillo County (15): 4100 Pan American Fwy NE, Albuquerque 87107 (main office); 10090 Coors Blvd NW, Albuquerque 87114; 120 98th St NW Ste C2, Albuquerque 87121; 1801 Lomas Blvd NE, Albuquerque 87106; 2801 Juan Tabo Blvd NE, Albuquerque 87112; 301 Cornell NE, Albuquerque 87131; 3200 La Orilla Rd NW Ste C1, Albuquerque 87120; 3205 Coors Blvd NW, Albuquerque 87120; 3600 Coors Blvd SW, Albuquerque 87121; 401 Eubank Blvd SE, Albuquerque 87123; 6125 4th St NW, Albuquerque 87107; 6501 Indian School Rd NE, Albuquerque 87110; 7530 Montgomery Blvd NE, Albuquerque 87109; 7644 Jefferson St NE, Albuquerque 87109; 8321 Palomas Ave NE, Albuquerque 87109
- Doña Ana County (4): 1600 International Mall, Las Cruces 88003; 1715 E University Ave, Las Cruces 88001; 230 S Alameda Blvd, Las Cruces 88005; 4161 White Sage Arc, Las Cruces 88011
- Luna County (1): 108 W Maple St, Deming 88030
- Sandoval County (2): 2001 Unser Blvd SE, Rio Rancho 87124; 7840 Enchanted Hills Blvd NE, Rio Rancho 87144
- Santa Fe County (3): 1710 Saint Michaels Dr, Santa Fe 87505; 502 N Guadalupe St, Santa Fe 87501; 5621 Herrera Dr, Santa Fe 87507
- Socorro County (1): 1019 N California St, Socorro 87801
- Taos County (1): 640 Paseo Del Pueblo Sur, Taos 87571
- Valencia County (1): 320 Main St NW, Los Lunas 87031
Texas (5 offices)
- El Paso County (5): 12320 Eastlake Blvd Ste 106, El Paso 79928; 1790 N Lee Trevino Dr Ste 100, El Paso 79936; 4849 N Mesa St, El Paso 79912; 6068 Gateway Blvd E, El Paso 79905; 7015 N Mesa St, El Paso 79912
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Nusenda Credit Union (NCUA charter 948, filed as “NUSENDA”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $3.44 billion, 193,238 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 1.8% from $3.38 billion on 30 Jun 2025 |
| Members | 299,021 (as of 30 Jun 2026); 285,768 (as of 30 Jun 2025) |
| Loans per member | $11,506 (total loans divided by members, 30 Jun 2026) |
| Total assets | $5.02 billion (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $932.2 million | 27.1% |
| Used vehicle loans | $240 million | 7.0% |
| First-lien home mortgages (1-4 family) | $523.4 million | 15.2% |
| Other real estate loans (junior liens, other) | $255 million | 7.4% |
| Commercial (business) loans | $1.22 billion | 35.6% |
| Credit cards | $115.6 million | 3.4% |
| Other unsecured loans | $138.5 million | 4.0% |
| Leases and other secured loans | $11.5 million | 0.3% |
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025Nusenda Credit Union reported 1,896 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $282.1M (median loan about $85,000). 387 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 387 | 20% |
| Refinance (incl. 64 cash-out) | 524 | 28% |
| Home improvement | 571 | 30% |
| Other purpose | 414 | 22% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 1,832 | 97% |
| FHA-insured | 43 | 2.3% |
| VA-guaranteed | 21 | 1.1% |
Included above: 365 home-equity or other open-end lines of credit.
Where the loans were made
Counties with the most 2025 originations, out of 30 counties with at least one; 99% of its 2025 loans were for properties in New Mexico:
- Bernalillo County, NM (1,169)
- Sandoval County, NM (252)
- Santa Fe County, NM (156)
- Valencia County, NM (120)
- Doña Ana County, NM (64)
- Taos County, NM (36)
- Socorro County, NM (21)
- El Paso County, TX (13)
Filed under LEI 5493007B1GAUZGYHPR07 as “NUSENDA FEDERAL CREDIT UNION”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $5.02 billion | Larger than 100% of the 6 other certified credit unions in New Mexico (median $507.1 million). |
| Loans as a share of assets | 69% | Median of the same 6 credit unions: 63%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $3.38 billion → $3.44 billion (+2%) | Median change of 6 other certified credit unions in New Mexico: +12%. Rank by loans held among these 7: 1 → 1. |
| Home loans originated in 2025 (HMDA) | 1,896 | More than 97% of the 263 other certified CDFIs that reported 3 or more (119 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in New Mexico | 6 | larger than 100% |
| Loans held then vs now | certified credit unions in New Mexico reporting both dates | 6 | rank 1 → 1 of 7 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 97% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 5 SBA-backed approvals for Nusenda Credit Union in fiscal years 2020–2026 (October 2019 to September 2026):
- 5 7(a) loans as the lender: $850,000 in total (gross amount approved), median $100,000
By fiscal year: FY2020 0 · FY2021 4 · FY2022 0 · FY2023 0 · FY2024 1 · FY2025 0 · FY2026 0.
By program
- 7(a) SBA Express (5, 100%)
Borrower industries
NAICS sector, 3 or more loans.
- Health care and social assistance (5)
How this lender was matched in the SBA files: NCUA charter 948, found through the RSSD ID in NCUA records (SBA lists “Nusenda FCU”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. Nusenda Credit Union may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Albuquerque and New Mexico
- DreamSpringLoan fund · Albuquerque, NMCommercial real estate loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- First Financial Credit UnionCredit union · Albuquerque, NMAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home mortgages…Verified
- NEW MEXICO COMMUNITY DEVELOPMENT LOAN FUNDLoan fund · Albuquerque, NMOfficial list only
- Rio Grande Credit UnionCredit union · Albuquerque, NMAuto / vehicle loans, Commercial real estate loans, Home mortgagesVerified
- U.S. Eagle Federal Credit UnionCredit union · Albuquerque, NMOfficial list only
- Ventana FundLoan fund · Albuquerque, NMAffordable housing development loansVerified
- Women's Economic Self-Sufficiency TeamLoan fund · Albuquerque, NMSBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
Work at Nusenda Credit Union? Link to this page
Paste this into your website to show you are listed. If anything here is wrong, tell us first (how).
Something wrong or out of date on this page? Use the contact page or email contact@cdfiatlas.com and name the page.
CDFI Atlas is not a lender and does not give financial advice. Inclusion is not an endorsement, and lenders have not reviewed or approved these pages. Disclaimer.