Eddy Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
0.60%	1-year CD	1 Year CD 1.50% - Ally Bank No Penalty 11-Month CD
0.15%	Savings	Savings 1.15% - CIT Bank Spring Savings
1.00%	2-year CD	2 Years CD 1.50% - Ally Bank Raise Your Rate 2-Year CD

View all Eddy Federal Credit Union rates »

Overview / Commentary

www.eddyfederalcu.com

575-887-1784

909 W Pierce St
Carlsbad, NM 88220-5268

Eddy Federal Credit Union is headquartered in Carlsbad and is the 19^th largest credit union in the state of New Mexico. It is also the 2,249^th largest credit union in the nation. It was established in 1954 and as of March of 2017, it had grown to 15 employees and 5,253 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+

Data as of Q1 2017

Learn why bank health matters

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 Chartered	1954
Employees	15
Primary Regulator

Profit Margin
Return on Assets - YTD	-0.11%
Return on Equity - YTD	-0.88%
Annual Interest Income	$379.00K

Assets and Liabilities
Assets	Q1 2017vs Q1 2016	$54.8MM$57.6MM
Loans	Q1 2017vs Q1 2016	$24.8MM$24.4MM
Deposits	Q1 2017vs Q1 2016	$47.6MM$50.7MM
Equity Capital	Q1 2017vs Q1 2016	$6.9MM$6.6MM
Loan Loss Allowance	Q1 2017vs Q1 2016	$448.00K$789.00K
Unbacked Noncurrent Loans	Q1 2017vs Q1 2016	$80.00K$14.00K
Real Estate Owned	Q1 2017vs Q1 2016	$0$0

Rates

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CD

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Eddy Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.30%	-	-	Christmas Club
0.15%	$100	-	Savings

Eddy Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
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 Office	1711 S Canal St	Carlsbad, NM 88220
Branch Office	909 W Pierce St	Carlsbad, NM 88220-5268