U-1st Community Federal Credit Union

Overview / Commentary

575-887-1785

601 N Canal St
Carlsbad, NM 88220-5805

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 June of 2019, it had grown to 3 employees and 990 members at 1 location. U-1st Community Federal Credit Union's money market rates are 2X the national average, and it has a B+ 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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Health

B+

Data as of Q2 2019

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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	0.69%
Return on Equity - YTD	6%
Annual Interest Income	$179.00K

Assets and Liabilities
Assets	Q2 2019vs Q2 2018	$10.8MM$7.0MM
Loans	Q2 2019vs Q2 2018	$4.4MM$4.3MM
Deposits	Q2 2019vs Q2 2018	$9.6MM$5.9MM
Equity Capital	Q2 2019vs Q2 2018	$1.1MM$1.1MM
Loan Loss Allowance	Q2 2019vs Q2 2018	$56.00K$56.00K
Unbacked Noncurrent Loans	Q2 2019vs Q2 2018	$6.00K$0
Real Estate Owned	Q2 2019vs Q2 2018	$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
0.65%	$250	-	Share IRA
0.20%^*	$50k^*	-	Special (Club) Savings Account
OTHER TIERS: 0.05% → $1k - $20k \| 0.10% → $20k - $50k
0.20%^*	$50k^*	-	Regular 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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.90%^*	$100k^*	-	Money Market Checking Account
OTHER TIERS: 0.70% → $2.5k - $50k \| 0.80% → $50k - $100k

U-1st Community Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%	$1.5k	-	Senior Checking Account

U-1st Community Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.65%	$1k	-	24 Month CD
1.45%	$1k	-	12 Month CD
0.80%	$1k	-	6 Month CD
0.70%	$1k	-	3 Month CD

Locations

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

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