Financial Security

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
0.50%	1-year CD	1 Year Share Certificate 1.40% - Synchrony Bank 12 Month CD
0.30%	Savings	Regular Shares 1.20% - Synchrony Bank High Yield Savings
0.75%	3-year CD	3 Year Share Certificate 1.85% - Synchrony Bank 36 Month CD

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Overview / Commentary

www.finseccu.com

575-887-6030

1105 W Pierce St
Carlsbad, NM 88220-4014

Financial Security is headquartered in Carlsbad and is the 21^st largest credit union in the state of New Mexico. It is also the 2,494^th largest credit union in the nation. It was established in 1954 and as of March of 2017, it had grown to 16 employees and 4,214 members at 2 locations. Financial Security has a B+ health rating.

Field of Membership Restrictions

Financial Security Credit Union of New Mexico is open to the residents and the people that maintain employment within Eddy County member affiliated organizations, and the direct family members of these eligible people.
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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. Financial Security has a low asset base.

Health Grade Components

Overall
NCUA #	62452
Year Chartered	1954
Employees	16
Primary Regulator

Profit Margin
Return on Assets - YTD	0.29%
Return on Equity - YTD	2.35%
Annual Interest Income	$406.00K

Assets and Liabilities
Assets	Q1 2017vs Q1 2016	$43.7MM$41.5MM
Loans	Q1 2017vs Q1 2016	$26.0MM$29.2MM
Deposits	Q1 2017vs Q1 2016	$38.2MM$36.1MM
Equity Capital	Q1 2017vs Q1 2016	$5.3MM$5.2MM
Loan Loss Allowance	Q1 2017vs Q1 2016	$171.00K$164.00K
Unbacked Noncurrent Loans	Q1 2017vs Q1 2016	$231.00K$403.00K
Real Estate Owned	Q1 2017vs Q1 2016	$0$0

Rates

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CD
IRA

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

Financial Security Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.40%	-	-	IRA Account
0.30%^*	$50k^*	-	Regular Shares
OTHER TIERS: 0.10% → $25 - $10k \| 0.20% → $10k - $50k
0.30%	-	-	Kirby Kangaroo Kids Club
0.30%	-	-	CU Succeed Teen Savings
0.30%	-	-	Christmas Club Account

Financial Security CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.75%	$1k	-	3 Year Share Certificate
0.65%	$1k	-	2 Year Share Certificate
0.50%	$1k	-	1 Year Share Certificate
0.40%	$1k	-	6 Month Share Certificate
0.30%	$100	-	3 Month CU Succeed Share Certificate

Financial Security IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.75%	$1k	-	3 Year Share Certificate
0.65%	$1k	-	2 Year IRA Share Certificate
0.50%	$1k	-	1 Year IRA Share Certificate
0.40%	$1k	-	6 Month IRA Share Certificate

Locations

Financial Security Locations
Branch Office	1105 W Pierce St	Carlsbad, NM 88220-4014
Branch Office	2603 S Canal St	Carlsbad, NM 88220