TellerScore

Firstlight Federal Credit Union is a federal credit union headquartered in El Paso, Texas, in business for about 71 years. At the end of Q2 2026 it reported $1.6B in total assets and $1.4B in member shares and deposits, with 5 offices across 2 states.

Firstlight Federal Credit Union has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than 50% of its 454 credit unions with $1 billion – $10 billion. Among 380 credit unions headquartered in Texas, it ranks 231st. Problem-loan coverage contributes the most (92/100, 3.9%); capital cushion contributes the least (53/100, 10.33%).

TellerScore · Q2 2026

Scorecard

Capital cushion53/100
Net worth ratio: 10.33%
Loan quality84/100
Loans 60+ days delinquent ÷ total loans: 0.48%
Earnings57/100
Return on assets (annualized): 0.92%
Funding & liquidity67/100
Loans ÷ shares: 92.8% · 12.0% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.93%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 10 points (58 → 68), mostly because the earnings component improved by 48 points.

TellerScore
556268Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202459
Q3 202461
Q4 202461
Q1 202555
Q2 202558
Q3 202561
Q4 202562
Q1 202666
Q2 202668
Net worth ratio
7.00%8.66%10.33%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.80%
Q3 20249.98%
Q4 202410.03%
Q1 20259.99%
Q2 20259.86%
Q3 202510.09%
Q4 202510.23%
Q1 202610.20%
Q2 202610.33%
Delinquent loans (60+ days)
0.47%0.52%0.58%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.52%
Q3 20240.49%
Q4 20240.58%
Q1 20250.53%
Q2 20250.49%
Q3 20250.58%
Q4 20250.55%
Q1 20260.47%
Q2 20260.48%
Return on assets
-0.88%0.02%0.92%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.24%
Q3 20240.37%
Q4 20240.34%
Q1 2025-0.88%
Q2 2025-0.27%
Q3 20250.14%
Q4 20250.26%
Q1 20260.71%
Q2 20260.92%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$1.6B10.33%0.48%0.92%92.8%
Q1 202666$1.6B10.20%0.47%0.71%87.2%
Q4 202562$1.6B10.23%0.55%0.26%86.4%
Q3 202561$1.6B10.09%0.58%0.14%84.7%
Q2 202558$1.6B9.86%0.49%-0.27%86.8%
Q1 202555$1.6B9.99%0.53%-0.88%90.5%
Q4 202461$1.6B10.03%0.58%0.34%97.2%
Q3 202461$1.6B9.98%0.49%0.37%98.9%
Q2 202459$1.6B9.80%0.52%0.24%101.1%

454 peers · $1 billion – $10 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.33%
36th
Problem loans0.48%
72nd
Net charge-offs1.48%
3rd
Return on assets0.92%
62nd
Loans to deposits92.8%
35th
Uninsured deposits12.0%
26th
Loan-loss reserves0.00%
50th
Texas ratio3.9%
62nd

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Red River Employees Federal Credit UnionCredit union Texarkana, TX77 out of 100, Strong$1.6B13.9%0.94%vs
United Heritage Credit UnionCredit union Austin, TX56 out of 100, Moderate$1.7B9.9%1.22%vs
First Service Credit UnionCredit union Houston, TX64 out of 100, Moderate$1.5B10.9%0.62%vs
Amoco Federal Credit UnionCredit union Texas City, TX55 out of 100, Moderate$1.5B9.2%0.93%vs
Datcu Credit UnionCredit union Denton, TX89 out of 100, Very strong$1.8B17.2%0.13%vs
East Texas Professional Credit UnionCredit union Longview, TX90 out of 100, Very strong$1.4B19.4%0.41%vs

Deposit insurance

Is my money safe at Firstlight Federal Credit Union?

Yes. Firstlight Federal Credit Union is a federally insured credit union (NCUA charter #10174). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 12.0% of shares and deposits ($174.1M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 10.33%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Firstlight Federal Credit Union lists 5 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Firstlight Federal Credit Union reported 1,133 home-loan applications under HMDA (LEI 549300SGEJUQK4Q7ZY34): 261 originated ($40,725,000 total), 398 denied, and 377 withdrawn or closed by the applicant. Its denial rate on decided applications was 52.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Firstlight Federal Credit Union
Type
Federal credit union
NCUA charter #
10174
RSSD ID
166081
Primary regulator
NCUA
Established
1955
Headquarters
9983 Kenworthy St, El Paso, TX 79924
Employees
353

Quick answers

Firstlight Federal Credit Union: common questions

Is Firstlight Federal Credit Union NCUA insured?

Yes. Firstlight Federal Credit Union is a federally insured credit union (NCUA charter #10174). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Firstlight Federal Credit Union's TellerScore?

68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Firstlight Federal Credit Union have?

5 offices as of the latest NCUA data, in 2 states.