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 197th largest credit union in the state of New York. It is also the 3,603rd largest credit union in the nation. It was established in 1955 and as of December of 2018, it had grown to 2 employees and 1,612 members at 1 location. Focus First Federal Credit Union's CD rates are 94% 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-2.23%
Return on Equity - YTD-5.4%
Annual Interest Income$401.00K
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$15.7MM$17.0MM
LoansQ4 2018vs Q4 2017$8.4MM$9.3MM
DepositsQ4 2018vs Q4 2017$8.8MM$10.2MM
Equity CapitalQ4 2018vs Q4 2017$6.5MM$6.9MM
Loan Loss AllowanceQ4 2018vs Q4 2017$29.00K$50.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$0$40.00K
Real Estate OwnedQ4 2018vs Q4 2017$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
2.50%$500-36 Month Share Certificate
2.25%$500-24 Month Share Certificate
1.75%$500-12 Month Share Certificate
1.00%$500-6 Month Share Certificate
Locations


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

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