Financial Security

Overview / Commentary
1105 W Pierce St
Carlsbad, NM 88220-4014

Financial Security is headquartered in Carlsbad and is the 21st largest credit union in the state of New Mexico. It is also the 2,356th largest credit union in the nation. It was established in 1954 and as of September of 2019, it had grown to 18 employees and 4,796 members at 2 locations. Financial Security's CD rates are 11% higher than the national average, and it 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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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

NCUA #62452
Year Chartered1954
Primary Regulator
Profit Margin
Return on Assets - YTD1.11%
Return on Equity - YTD8.5%
Annual Interest Income$1.5MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$48.4MM$46.1MM
LoansQ3 2019vs Q3 2018$30.4MM$26.6MM
DepositsQ3 2019vs Q3 2018$41.7MM$40.2MM
Equity CapitalQ3 2019vs Q3 2018$6.3MM$5.8MM
Loan Loss AllowanceQ3 2019vs Q3 2018$146.00K$181.00K
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$415.00K$508.00K
Real Estate OwnedQ3 2019vs Q3 2018$0$0
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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

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

1.71%*$2.5m*-18 Month Share Certificate
OTHER TIERS: 1.55% $150k - $250k
1.40%$1k-3 Year Share Certificate
1.25%$1k-2 Year Share Certificate
1.00%$1k-1 Year Share Certificate
0.60%$1k-6 Month Share Certificate
0.30%$100-3 Month CU Succeed Share Certificate

Financial Security IRA Rates

1.71%*$2.5m*-18 Month IRA Share Certificate
OTHER TIERS: 1.55% $150k - $250k
1.40%$1k-3 Year IRA Share Certificate
1.25%$1k-2 Year IRA Share Certificate
1.00%$1k-1 Year IRA Share Certificate

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

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