Financial Security

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
0.50%	1-year CD	1 Year Share Certificate 1.05% - Ally Bank High Yield 12-Month CD
0.30%	Savings	Regular Shares 1.00% - Ally Bank Online Savings Account
0.90%	3-year CD	3 Year Share Certificate 1.55% - Ally Bank High Yield 3 Year 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 2,511^th largest credit union in the nation. It was established in 1954 and as of June of 2016, it had grown to 17 employees and 4,137 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 Q2 2016

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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

Overall
NCUA #	62452
Year Chartered	1954
Employees	17
Primary Regulator

Profit Margin
Return on Assets - YTD	0.86%
Return on Equity - YTD	6.84%
Annual Interest Income	$903.00K

Assets and Liabilities
Assets	Q2 2016vs Q2 2015	$41.8MM$41.4MM
Loans	Q2 2016vs Q2 2015	$28.7MM$29.8MM
Deposits	Q2 2016vs Q2 2015	$36.3MM$36.3MM
Equity Capital	Q2 2016vs Q2 2015	$5.2MM$4.8MM
Loan Loss Allowance	Q2 2016vs Q2 2015	$149.00K$164.00K
Unbacked Noncurrent Loans	Q2 2016vs Q2 2015	$570.00K$257.00K
Real Estate Owned	Q2 2016vs Q2 2015	$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
0.90%	$1k	-	3 Year Share Certificate
0.80%	$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
0.90%	$1k	-	3 Year Share Certificate
0.80%	$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