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 33rd largest credit union in the state of New Mexico. It is also the 3,673rd largest credit union in the nation. It was established in 1955 and as of March of 2025, it had grown to 3 employees and 864 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, New Mexico. Immediate family may also join.
See current membership details

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Health
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

Overall
NCUA #10580
Year Chartered1955
Employees3
Primary Regulator
Profit Margin
Return on Assets - YTD1.06%
Return on Equity - YTD7.26%
Annual Interest Income$121K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$9.5MM$9MM
LoansQ1 2025vs Q1 2024$5.9MM$6.2MM
DepositsQ1 2025vs Q1 2024$8.1MM$7.6MM
Equity CapitalQ1 2025vs Q1 2024$1.4MM$1.3MM
Loan Loss AllowanceQ1 2025vs Q1 2024$86K$112K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$34K$49K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
Rates

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Locations


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

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