U-1st Community Federal Credit Union (NCUA charter #10580) is based in Carlsbad, New Mexico. Its Q2 2026 call report shows $9.3M in total assets and $8.0M in member shares and deposits and 2 offices.
Based on its Q2 2026 filing, U-1st Community Federal Credit Union scores 74/100, which we describe as strong. That is higher than only 49% of 2,479 credit unions with under $100 million in assets. Among 37 credit unions headquartered in New Mexico, it ranks 20th. Its strongest component is problem-loan coverage (98/100; 1.0%), and its lowest is earnings (0/100; -1.47%).
TellerScore · Q2 2026
Scorecard
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 fell 10 points (84 → 74), mostly because the earnings component weakened by 49 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 81 |
| Q3 2024 | 75 |
| Q4 2024 | 74 |
| Q1 2025 | 84 |
| Q2 2025 | 84 |
| Q3 2025 | 70 |
| Q4 2025 | 83 |
| Q1 2026 | 87 |
| Q2 2026 | 74 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 14.33% |
| Q3 2024 | 14.52% |
| Q4 2024 | 14.59% |
| Q1 2025 | 14.48% |
| Q2 2025 | 14.17% |
| Q3 2025 | 14.95% |
| Q4 2025 | 14.88% |
| Q1 2026 | 14.97% |
| Q2 2026 | 14.38% |
Show as table
| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.83% |
| Q3 2024 | 1.58% |
| Q4 2024 | 1.56% |
| Q1 2025 | 0.58% |
| Q2 2025 | 0.20% |
| Q3 2025 | 2.06% |
| Q4 2025 | 0.25% |
| Q1 2026 | 0.15% |
| Q2 2026 | 0.24% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.15% |
| Q3 2024 | 1.20% |
| Q4 2024 | 1.02% |
| Q1 2025 | 1.05% |
| Q2 2025 | 0.72% |
| Q3 2025 | 0.90% |
| Q4 2025 | 0.55% |
| Q1 2026 | 0.77% |
| Q2 2026 | -1.47% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 74 | $9.3M | 14.38% | 0.24% | -1.47% | 74.9% |
| Q1 2026 | 87 | $9.5M | 14.97% | 0.15% | 0.77% | 70.2% |
| Q4 2025 | 83 | $9.5M | 14.88% | 0.25% | 0.55% | 76.3% |
| Q3 2025 | 70 | $9.5M | 14.95% | 2.06% | 0.90% | 73.8% |
| Q2 2025 | 84 | $9.8M | 14.17% | 0.20% | 0.72% | 71.6% |
| Q1 2025 | 84 | $9.5M | 14.48% | 0.58% | 1.05% | 72.4% |
| Q4 2024 | 74 | $9.3M | 14.59% | 1.56% | 1.02% | 75.7% |
| Q3 2024 | 75 | $9.3M | 14.52% | 1.58% | 1.20% | 77.6% |
| Q2 2024 | 81 | $9.2M | 14.33% | 0.83% | 1.15% | 77.8% |
2,479 peers · Under $100 million in assets
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).
Similar-size credit unions in New Mexico
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Quay Schools Federal Credit UnionCredit union Tucumcari, NM | 83 out of 100, Strong | $8.6M | 19.4% | 0.03% | vs |
| The Florist Federal Credit UnionCredit union Roswell, NM | 64 out of 100, Moderate | $7.1M | 15.1% | 1.90% | vs |
| Internationalites Federal Credit UnionCredit union Carlsbad, NM | 75 out of 100, Strong | $11.7M | 17.2% | 0.20% | vs |
| Rincones Presbyterian Credit UnionCredit union Chacon, NM | 64 out of 100, Moderate | $6.5M | 10.3% | 1.55% | vs |
| Deming Schools Employees Credit UnionCredit union Deming, NM | 88 out of 100, Very strong | $5.4M | 24.8% | 0.11% | vs |
| Four Corners Federal Credit UnionCredit union Kirtland, NM | 75 out of 100, Strong | $14.8M | 20.9% | 0.08% | vs |
Deposit insurance
Is my money safe at U-1st Community Federal Credit Union?
Yes. U-1st Community Federal Credit Union is a federally insured credit union (NCUA charter #10580). 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 1.2% of shares and deposits ($96K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 14.38%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
U-1st Community Federal Credit Union lists 2 offices in 1 city. Most locations:
- Carlsbad, NM (2)
Identity & history
Profile
- Legal name
- U-1st Community Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 10580
- RSSD ID
- 195483
- Primary regulator
- NCUA
- Established
- 1955
- Headquarters
- 601 N Canal St, Carlsbad, NM 88220
- Employees
- 2
Quick answers
U-1st Community Federal Credit Union: common questions
Is U-1st Community Federal Credit Union NCUA insured?
Yes. U-1st Community Federal Credit Union is a federally insured credit union (NCUA charter #10580). 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 U-1st Community Federal Credit Union's TellerScore?
74 out of 100 (Strong), 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 U-1st Community Federal Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Carlsbad
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Financial Security Credit UnionCredit union Carlsbad, NM | 81 out of 100, Strong | $63.6M | 16.6% | 0.69% | vs |
| Eddy Federal Credit UnionCredit union Carlsbad, NM | 80 out of 100, Strong | $61.8M | 18.3% | 0.00% | vs |
| First American BankBank Artesia, NM | 80 out of 100, Strong | $1.9B | 11.8% | 0.53% | vs |
| Internationalites Federal Credit UnionCredit union Carlsbad, NM | 75 out of 100, Strong | $11.7M | 17.2% | 0.20% | vs |
| CNB BankBank Carlsbad, NM | 75 out of 100, Strong | $1.1B | 9.7% | 0.09% | vs |
| Pioneer BankBank Roswell, NM | 73 out of 100, Strong | $1.1B | 12.3% | 1.71% | vs |