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Overview / Commentary
575-887-1784
909 W Pierce St
Carlsbad, NM 88220-5268

Eddy Federal Credit Union is headquartered in Carlsbad and is the 19th largest credit union in the state of New Mexico. It is also the 2,213th largest credit union in the nation. It was established in 1954 and as of September of 2016, it had grown to 16 employees and 5,542 members at 2 locations. Eddy Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live or work in Eddy County, New Mexico. Membership is also open to employees of the U. S. Post Office or Bureau of Land Management who work in Hobbs or Lovington, New Mexico.
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Health
B+
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Eddy Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #9566
Year Chartered1954
Employees16
Primary Regulator
Profit Margin
Return on Assets - YTD0.62%
Return on Equity - YTD5%
Annual Interest Income$1.2MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$55.2MM$56.8MM
LoansQ3 2016vs Q3 2015$24.9MM$24.9MM
DepositsQ3 2016vs Q3 2015$48.0MM$49.5MM
Equity CapitalQ3 2016vs Q3 2015$6.8MM$6.9MM
Loan Loss AllowanceQ3 2016vs Q3 2015$651.00K$624.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$209.00K$118.00K
Real Estate OwnedQ3 2016vs Q3 2015$0$0
Rates
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Eddy Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%--Christmas Club
0.15%$100-Savings

Eddy Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$5k-2 Years CD
0.60%$5k-1 Year CD
0.45%$5k-6 Month CD
0.30%$1k-3 Month CD
Locations


Eddy Federal Credit Union Locations
Branch Office1711 S Canal StCarlsbad, NM 88220
Branch Office909 W Pierce StCarlsbad, NM 88220-5268