U-1st Community Federal Credit Union

Overview / Commentary

575-887-1785

601 N Canal St
Carlsbad, NM 88220

U-1st Community Federal Credit Union is headquartered in Carlsbad and is the 33^rd largest credit union in the state of New Mexico. It is also the 3,960^th largest credit union in the nation. It was established in 1955 and as of December of 2021, it had grown to 3 employees and 903 members at 1 location. U-1st Community Federal Credit Union has a B health rating.

Field of Membership Restrictions

U-1st Community Federal Credit Union is open to businesses and anyone who lives, works, worships, or volunteers in Eddy County. Immediate family may also join.
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Health

Data as of Q4 2021

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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 low asset base.

Health Grade Components

Overall
NCUA #	10580
Year Chartered	1955
Employees	3
Primary Regulator

Profit Margin
Return on Assets - YTD	0.45%
Return on Equity - YTD	3.73%
Annual Interest Income	$347.00K

Assets and Liabilities
Assets	Q4 2021vs Q4 2020	$10.4MM$9.8MM
Loans	Q4 2021vs Q4 2020	$6.3MM$6.0MM
Deposits	Q4 2021vs Q4 2020	$9.1MM$8.6MM
Equity Capital	Q4 2021vs Q4 2020	$1.2MM$1.2MM
Loan Loss Allowance	Q4 2021vs Q4 2020	$56.00K$56.00K
Unbacked Noncurrent Loans	Q4 2021vs Q4 2020	$23.00K$175.00K
Real Estate Owned	Q4 2021vs Q4 2020	$0$0

Rates

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Savings
Money Market
Checking
CD

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Always verify rates and promotions with the bank or credit union. We are not U-1st Community Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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

APY	MIN	MAX	ACCOUNT NAME
0.25%	$25	-	Elly the Elephant Kids Account
0.25%	$25	$250k	Young Investor Account
0.10%	$1k	$250k	Special (Club) Savings Account
0.10%	$1k	$250k	Regular Savings Account
0.10%	$250	$250k	Share IRA

U-1st Community Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.35%^*	$100k^*	$250k	Money Market Checking Account
OTHER TIERS: 0.15% → $2.5k - $50k \| 0.25% → $50k - $100k

U-1st Community Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%	$1.5k	$250k	Senior Checking Account

U-1st Community Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.85%	$1k	$250k	36 Month CD
0.75%	$1k	$250k	24 Month CD
0.65%	$1k	$250k	18 Month CD
0.60%	$1k	$250k	12 Month CD
0.55%	$1k	$250k	6 Month CD

Locations

U-1st Community Federal Credit Union Locations
Branch Office	601 N Canal St	Carlsbad, NM 88220-5805

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