Focus First Federal Credit Union

Overview / Commentary
1546 Lyell Avenue
Rochester, NY 14606

Focus First Federal Credit Union is headquartered in Rochester and is the 216th largest credit union in the state of New York. It is also the 3,768th largest credit union in the nation. It was established in 1955 and as of June of 2022, it had grown to 3 employees and 1,089 members at 1 location. Focus First Federal Credit Union's CD rates are 11% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

All persons, or immediate family of persons, who live, work, worship, volunteer or attend school within the geographic boundaries of Monroe County, NY; Employees and retirees of Valeo Wiper, Rochester, NY and Retirees of Delco Products and ITT are elgible for membership with Focus First Federal Credit Union.
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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. Focus First Federal Credit Union has a low asset base.

Health Grade Components

NCUA #10220
Year Chartered1955
Primary Regulator
Profit Margin
Return on Assets - YTD-1.88%
Return on Equity - YTD-4.19%
Annual Interest Income$112.00K
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$12.6MM$13.2MM
LoansQ2 2022vs Q2 2021$3.2MM$4.6MM
DepositsQ2 2022vs Q2 2021$7.0MM$7.3MM
Equity CapitalQ2 2022vs Q2 2021$5.7MM$5.8MM
Loan Loss AllowanceQ2 2022vs Q2 2021$23.00K$38.00K
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$10.00K$11.00K
Real Estate OwnedQ2 2022vs Q2 2021$0$0
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Focus First Federal Credit Union Savings Account Rates

0.10%$5-Regular Savings Account
0.10%--Kid’s Savings Account
0.10%--Holiday Savings Account

Focus First Federal Credit Union Checking Account Rates

0.10%$1k-Checking Account

Focus First Federal Credit Union CD Rates

2.25%$500-22 Month CD Special -New Money
1.00%$500-12 Month CD Special - New Money
0.75%$500-12 Month Share Certificate
0.55%$500-36 Month Share Certificate
0.50%$500-24 Month Share Certificate
0.20%$500-6 Month Share Certificate

Focus First Federal Credit Union Locations
Branch Office1546 Lyell AveRochester, NY 14606-2122

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