Overview / Commentary
601 N Canal St
Carlsbad, NM 88220-5805

U-1St Community Federal Credit Union is headquartered in Carlsbad and is the 36th largest credit union in the state of New Mexico. It is also the 4,493rd largest credit union in the nation. It was established in 1955 and as of March of 2018, it had grown to 3 employees and 1,030 members at 1 location. U-1St Community Federal Credit Union's CD rates are 61% higher than the national average, and it has a C+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, volunteer, worship, or assist in alleviating poverty in Eddy County in New Mexico.
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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. U-1St Community Federal Credit Union has a very low asset base.

Health Grade Components

NCUA #10580
Year Chartered1955
Primary Regulator
Profit Margin
Return on Assets - YTD0.59%
Return on Equity - YTD3.82%
Annual Interest Income$74.00K
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$6.6MM$7.6MM
LoansQ1 2018vs Q1 2017$4.3MM$3.9MM
DepositsQ1 2018vs Q1 2017$5.5MM$6.6MM
Equity CapitalQ1 2018vs Q1 2017$1.0MM$1.0MM
Loan Loss AllowanceQ1 2018vs Q1 2017$56.00K$56.00K
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$10.00K$37.00K
Real Estate OwnedQ1 2018vs Q1 2017$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

U-1St Community Federal Credit Union Savings Account Rates

0.65%$250-Share IRA
0.20%*$50k*-Special Club Share
OTHER TIERS: 0.05% $1k - $20k | 0.10% $20k - $50k
0.20%*$50k*-Savings Account
OTHER TIERS: 0.05% $1k - $20k | 0.10% $20k - $50k
0.20%$25-Kirby The Kangaroo Kids Account

U-1St Community Federal Credit Union Money Market Rates

1.00%*$100k*-Money Market Checking Account
OTHER TIERS: 0.80% $2,500 - $50k | 0.90% $50k - $100k

U-1St Community Federal Credit Union Checking Account Rates

0.50%$1.5k-Senior Checking Account

U-1St Community Federal Credit Union CD Rates

1.65%$1k-24 Month CD
1.45%$1k-12 Month CD
0.80%$1k-6 Month CD
0.70%$1k-3 Month CD

U-1St Community Federal Credit Union Locations
Branch Office601 N Canal StCarlsbad, NM 88220-5805

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