Financial Security


Overview / Commentary
575-887-6030
1105 W Pierce St
Carlsbad, NM 88220

Financial Security is headquartered in Carlsbad and is the 20th largest credit union in the state of New Mexico. It is also the 2,320th largest credit union in the nation. It was established in 1954 and as of June of 2020, it had grown to 18 employees and 4,861 members at 2 locations. Financial Security has a B+ health rating.

Field of Membership Restrictions

Financial Security Credit Union is open to individuals who live or work in Eddy County, and to immediate family of those eligible.
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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. Financial Security has a relatively low asset base.

Health Grade Components

Overall
NCUA #62452
Year Chartered1954
Employees18
Primary Regulator
Profit Margin
Return on Assets - YTD0.46%
Return on Equity - YTD3.71%
Annual Interest Income$903.00K
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$55.0MM$47.8MM
LoansQ2 2020vs Q2 2019$31.1MM$30.7MM
DepositsQ2 2020vs Q2 2019$48.2MM$41.3MM
Equity CapitalQ2 2020vs Q2 2019$6.5MM$6.1MM
Loan Loss AllowanceQ2 2020vs Q2 2019$201.00K$123.00K
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$426.00K$367.00K
Real Estate OwnedQ2 2020vs Q2 2019$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$50k*-Regular Shares
OTHER TIERS: 0.05% $25 - $10k | 0.10% $10k - $50k
0.20%--Kirby Kangaroo Kids Club
0.20%--CU Succeed Teen Savings
0.20%--Christmas Club Account
0.20%--IRA Account

Financial Security CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%$1k-3 Year Share Certificate
0.60%$1k-2 Year Share Certificate
0.40%$1k-1 Year Share Certificate
0.30%$1k-6 Month Share Certificate
0.15%$100-3 Month CU Succeed Share Certificate
0.00%$150k-18 Month Share Certificate

Financial Security IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%$1k-3 Year IRA Share Certificate
0.60%$1k-2 Year IRA Share Certificate
0.40%$1k-1 Year IRA Share Certificate
0.00%$150k-18 Month IRA Share Certificate
Locations


Financial Security Locations
Branch Office1105 W Pierce StCarlsbad, NM 88220-4014
Branch Office2603 S Canal StCarlsbad, NM 88220

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