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Overview / Commentary
ROSWELL, NM 88201-4719

The Florist Credit Union is headquartered in ROSWELL and is the 37th largest credit union in the state of New Mexico. It is also the 4,873rd largest credit union in the nation. It was established in 1969 and as of March of 2014, it had grown to 3 employees and 909 members. The Florist Credit Union's savings rates are 2X the national average, and it has a B health rating.

Field of Membership Restrictions

Must be an employee or owner of a florist shop who hold a membership in WesTexas New Mexico Florist Association, New Mexico State Florist Association, Oklahoma State Florists' Association, Texas State Florists' Association, Florida State Florists' Association, Connecticut Florists Association, North Carolina State Florists Association or Arkansas Florists Association. - See Details

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. The Florist Credit Union has a very low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 The Florist Credit Union had $80,000 in non-current loans and owned real-estate with $1.16 million in equity and loan loss allowances on hand to cover it. This gives The Florist Credit Union a Texas Ratio of 6.89% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for The Florist Credit Union experienced no significant changes from 5.75% as of March 31, 2013 to 6.89% as of March 31, 2014, resulting in a negative change of 19.90%. This indicates that the balance sheet and financial strength for The Florist Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, The Florist Credit Union has increased its total deposits by $117,000, resulting in 1.91% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth The Florist Credit Union has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. The Florist Credit Union has $7.34 million in assets with $1.16 million in equity, resulting in a capitalization level of 15.83%, which is excellent.

Institution Statistics

NCUA #19567
Year Chartered1969
Primary Regulator
Assets and Liabilities
Assets$7.34 million
Loans$4.84 million
Deposits$6.23 million
Equity Capital$1.11 million
Loan Loss Allowance$54,000
Unbacked Noncurrent Loans$80,000
Real Estate Owned$0
Historic Data - March 2013
Assets$7.20 million
Equity Capital$1.08 million
Loan Loss Allowance$49,000
Unbacked Noncurrent Loans$80,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.25%
Return on Assets0.27%
Return on Equity1.81%
Interest Income$75,000
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The Florist Credit Union Savings Account Rates

1.21%$10k-Coverdell ESA Account
1.21%$10k-IRA Account
0.52%$2,500-Regular Saving Account

The Florist Credit Union Checking Account Rates

0.51%$2,500-Plus Checking Account
0.10%$1k-Checking (Share Draft) Account

The Florist Credit Union CD Rates

1.40%$1k-36 Month CD
1.25%$1k-24 Month CD
1.01%$1k-12 Month CD
0.51%$1k-3 Month CD
0.51%$1k-6 Month CD

The Florist Credit Union Locations
Branch Office404 N KENTUCKY AVEROSWELL, NM 882014719