Focus First Federal Credit Union


Overview / Commentary
585-458-9220
1546 Lyell Avenue
Rochester, NY 14606

Focus First Federal Credit Union is headquartered in Rochester and is the 205th largest credit union in the state of New York. It is also the 3,667th largest credit union in the nation. It was established in 1955 and as of June of 2019, it had grown to 2 employees and 1,601 members at 1 location. Focus First Federal Credit Union's CD rates are 67% higher than the national average, and it has a C+ 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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Health
C+
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, and a negative return on assets.

Health Grade Components

Overall
NCUA #10220
Year Chartered1955
Employees2
Primary Regulator
Profit Margin
Return on Assets - YTD-2.13%
Return on Equity - YTD-4.96%
Annual Interest Income$196.00K
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$14.5MM$16.3MM
LoansQ2 2019vs Q2 2018$7.5MM$9.0MM
DepositsQ2 2019vs Q2 2018$8.1MM$9.2MM
Equity CapitalQ2 2019vs Q2 2018$6.4MM$6.7MM
Loan Loss AllowanceQ2 2019vs Q2 2018$51.00K$0
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$21.00K$41.00K
Real Estate OwnedQ2 2019vs Q2 2018$0$0
Rates
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Focus First Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%$5-Regular Savings Account
0.35%--Kid’s Savings Account
0.35%--Holiday Savings Account

Focus First Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$1k-Checking Account

Focus First Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.25%$500-36 Month Share Certificate
2.00%$500-24 Month Share Certificate
1.50%$500-12 Month Share Certificate
0.75%$500-6 Month Share Certificate
Locations


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

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