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 3,899^th largest credit union in the nation. It was established in 1955 and as of September of 2019, it had grown to 3 employees and 994 members at 1 location. U-1st Community Federal Credit Union's CD rates are 62% higher than 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.
See current membership details

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Health

Data as of Q3 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	0.64%
Return on Equity - YTD	6.14%
Annual Interest Income	$281.00K

Assets and Liabilities
Assets	Q3 2019vs Q3 2018	$11.4MM$8.4MM
Loans	Q3 2019vs Q3 2018	$4.7MM$4.2MM
Deposits	Q3 2019vs Q3 2018	$10.3MM$7.3MM
Equity Capital	Q3 2019vs Q3 2018	$1.2MM$1.1MM
Loan Loss Allowance	Q3 2019vs Q3 2018	$56.00K$56.00K
Unbacked Noncurrent Loans	Q3 2019vs Q3 2018	$51.00K$75.00K
Real Estate Owned	Q3 2019vs Q3 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
0.68%	$25	-	Elly the Elephant Kids Account
0.50%	$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

U-1st Community Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%^*	$100k^*	-	Money Market Checking Account
OTHER TIERS: 0.30% → $2.5k - $50k \| 0.40% → $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
2.12%	$1k	-	36 Month CD
1.86%	$1k	-	24 Month CD
1.66%	$1k	-	18 Month CD
1.46%	$1k	-	12 Month CD
0.80%	$1k	-	6 Month CD
0.55%	$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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