FOCUS FIRST
Federal • Rochester, New York • Est. 1955
Quick Facts
- Charter Number
- #10220
- Type
- Federal
- Established
- 1955
- Headquarters
- Rochester, New York 14624
- Address
- 2113 Chili Ave
- Branches
- 4
- ATMs
- 2
- Members
- 898
- Membership Type
- Other/Unknown
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
898 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | FOCUS FIRST |
|---|---|
| Total Assets | $10.1M |
| Members | 898 |
| Loans Outstanding | $2.0M |
| Shares & Deposits | $6.9M |
| Net Worth | $3.2M |
| Net Worth Ratio | 31.53% |
| Loan-to-Share Ratio | 28.5% |
| Delinquency Rate | 0.06% |
| Net Income | $-1,760,317 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
4 locations · 2 ATMs
vital records
135 Darling Dr
Avon, CT 06001-4218
Spencerport FCU
2775 Spencerport Rd
Spencerport, NY 14559-1942
main
Main Office2113 Chili Ave
Rochester, NY 14624
main
2113 Chili Ave
Rochester, NY 14624
Who Can Join FOCUS FIRST?
Membership Type: Other/Unknown
Membership eligibility for FOCUS FIRST may vary. Contact the credit union directly to confirm qualification requirements.
Contact FOCUS FIRST directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View New York RankingsFrequently Asked Questions
Yes. FOCUS FIRST is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, FOCUS FIRST has 898 members and a potential membership field of 759,000 people.
FOCUS FIRST's net worth ratio is 31.53% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 31.5%, FOCUS FIRST meets this threshold.
FOCUS FIRST operates 4 branch locations and has access to 2 ATMs. The main office is located at 2113 Chili Ave, Rochester, NY 14624.
FOCUS FIRST was established in 1955. It is a federal credit union chartered under charter number 10220. The institution has been serving members for 71 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or FOCUS FIRST. All financial data is for informational purposes only.