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 210th largest credit union in the state of New York. It is also the 3,619th largest credit union in the nation. It was established in 1955 and as of September of 2023, it had grown to 3 employees and 1,030 members at 1 location. Focus First Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership in Focus First Federal Credit Union is open to those who live, work, worship, volunteer, or attend school within the geographic boundaries of Monroe County, New York. Employees and retirees of Valeo Wiper, Rochester, NY and Retirees of Delco Products and ITT are also eligible for membership.
See current membership details


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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, and a negative return on assets.

Health Grade Components

NCUA #10220
Year Chartered1955
Primary Regulator
Profit Margin
Return on Assets - YTD-2.31%
Return on Equity - YTD-5.72%
Annual Interest Income$226K
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$12.9MM$12.2MM
LoansQ3 2023vs Q3 2022$2.6MM$3MM
DepositsQ3 2023vs Q3 2022$7.6MM$6.6MM
Equity CapitalQ3 2023vs Q3 2022$5.2MM$5.6MM
Loan Loss AllowanceQ3 2023vs Q3 2022$80K$26K
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$9K$10K
Real Estate OwnedQ3 2023vs Q3 2022$0$0

Rates for Focus First Federal Credit Union are currently being reviewed.


Focus First Federal Credit Union Locations
Corporate Office2113 Chili AveRochester, NY 14624

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