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 204th largest credit union in the state of New York. It is also the 3,697th largest credit union in the nation. It was established in 1955 and as of December of 2019, it had grown to 3 employees and 1,452 members at 1 location. Focus First Federal Credit Union 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.
See current membership details

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Health
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

Overall
NCUA #10220
Year Chartered1955
Employees3
Primary Regulator
Profit Margin
Return on Assets - YTD-1.78%
Return on Equity - YTD-3.99%
Annual Interest Income$392.00K
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$13.7MM$15.7MM
LoansQ4 2019vs Q4 2018$6.5MM$8.4MM
DepositsQ4 2019vs Q4 2018$7.5MM$8.8MM
Equity CapitalQ4 2019vs Q4 2018$6.1MM$6.5MM
Loan Loss AllowanceQ4 2019vs Q4 2018$48.00K$29.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$6.00K$0
Real Estate OwnedQ4 2019vs Q4 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
1.25%$500-36 Month Share Certificate
1.00%$500-24 Month Share Certificate
0.85%$500-12 Month Share Certificate
0.40%$500-6 Month Share Certificate
Locations


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

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