U-1ST COMMUNITY
Federal • Carlsbad, New Mexico • Est. 1955
Quick Facts
- Charter Number
- #10580
- Type
- Federal
- Established
- 1955
- Headquarters
- Carlsbad, New Mexico 88220-5805
- Address
- 601 N Canal St
- Branches
- 2
- Members
- 864
- 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
864 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | U-1ST COMMUNITY |
|---|---|
| Total Assets | $9.5M |
| Members | 864 |
| Loans Outstanding | $6.1M |
| Shares & Deposits | $8.0M |
| Net Worth | $1.4M |
| Net Worth Ratio | 14.88% |
| Loan-to-Share Ratio | 76.3% |
| Delinquency Rate | 0.25% |
| Net Income | +$51,921 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
2 locations
Vital Records Center
2405 Avenue C
CARLSBAD, NM 88220
MAIN OFFICE
Main Office601 N Canal St
CARLSBAD, NM 88220-5805
Who Can Join U-1ST COMMUNITY?
Membership Type: Other/Unknown
Membership eligibility for U-1ST COMMUNITY may vary. Contact the credit union directly to confirm qualification requirements.
Contact U-1ST COMMUNITY directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View New Mexico RankingsFrequently Asked Questions
Yes. U-1ST COMMUNITY 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, U-1ST COMMUNITY has 864 members and a potential membership field of 15,000 people.
U-1ST COMMUNITY's net worth ratio is 14.88% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 14.9%, U-1ST COMMUNITY meets this threshold.
U-1ST COMMUNITY operates 2 branch locations. The main office is located at 601 N Canal St, CARLSBAD, NM 88220-5805.
U-1ST COMMUNITY was established in 1955. It is a federal credit union chartered under charter number 10580. 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 U-1ST COMMUNITY. All financial data is for informational purposes only.