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Overview / Commentary
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 2,267th largest credit union in the nation. It was established in 1954 and as of June of 2017, it had grown to 16 employees and 5,201 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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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

NCUA #9566
Year Chartered1954
Primary Regulator
Profit Margin
Return on Assets - YTD-0.55%
Return on Equity - YTD-4.4%
Annual Interest Income$836.00K
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$53.7MM$55.4MM
LoansQ2 2017vs Q2 2016$25.0MM$24.7MM
DepositsQ2 2017vs Q2 2016$46.7MM$48.3MM
Equity CapitalQ2 2017vs Q2 2016$6.7MM$6.8MM
Loan Loss AllowanceQ2 2017vs Q2 2016$540.00K$765.00K
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$52.00K$152.00K
Real Estate OwnedQ2 2017vs Q2 2016$0$0
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Eddy Federal Credit Union Savings Account Rates

0.30%--Christmas Club

Eddy Federal Credit Union CD Rates

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

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