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 214th largest credit union in the state of New York. It is also the 3,775th largest credit union in the nation. It was established in 1955 and as of September of 2022, it had grown to 3 employees and 1,082 members at 1 location. Focus First Federal Credit Union's CD rates are 4X 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-1.98%
Return on Equity - YTD-4.41%
Annual Interest Income$172.00K
Assets and Liabilities
AssetsQ3 2022vs Q3 2021$12.2MM$13.2MM
LoansQ3 2022vs Q3 2021$3.0MM$4.4MM
DepositsQ3 2022vs Q3 2021$6.6MM$7.4MM
Equity CapitalQ3 2022vs Q3 2021$5.6MM$5.9MM
Loan Loss AllowanceQ3 2022vs Q3 2021$26.00K$41.00K
Unbacked Noncurrent LoansQ3 2022vs Q3 2021$10.00K$11.00K
Real Estate OwnedQ3 2022vs Q3 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

4.25%$500-22 Month CD Special -New Money
3.25%$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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