credit union

U-1st Community

Carlsbad, NM · Est. 1955
A
Trust Grade
Excellent
Score: 96/100

U-1st Community is a credit union based in Carlsbad, New Mexico, established in 1955, with $10 million in total assets serving 867 members. By Trust Grade it ranks 17th of 37 credit unions we track in New Mexico. Its net worth ratio of 15.0% is stronger than 55% of similarly sized credit unions, versus a New Mexico median of 13.2%. It was profitable over the most recent period, with a 0.78% return on assets. No consumer complaints against U-1st Community appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$9.5M
<$100M institution
Members
867
Shares & deposits
—
Net worth ratio
15.0%
Top 45% of <$100M peers · New Mexico median 13.2%
Return on assets
0.8%
Top 41% of <$100M peers · New Mexico median 0.77%
Rank in New Mexico
#17
of 37 credit unions

How U-1st Community compares to New Mexico peers

Net worth ratio
Top 45% of <$100M peers
U-1st Community
15.0%
New Mexico median
13.2%
Higher capital ratio = stronger financial cushion
Return on assets
Top 41% of <$100M peers
U-1st Community
0.8%
New Mexico median
0.8%
Higher ROA = more profitable relative to asset base

How we graded U-1st Community

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
96/100
Customer experience
n/a
Overall
A · 96
  • Strongly capitalized (15.0% capital ratio)
  • Profitable (ROA 0.78%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for U-1st Community over the analysis window. For a smaller institution this is common and counts in its favor.

Are deposits at U-1st Community insured?

Yes. U-1st Community is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

U-1st Community: frequently asked questions

Is U-1st Community a good credit union?

U-1st Community earns a Bankzia Trust Grade of A (96/100, "Excellent"), based on a financial-strength score of 96/100 (it has no CFPB complaints on record). Strongly capitalized (15.0% capital ratio); Profitable (ROA 0.78%).

Is U-1st Community NCUA-insured?

Yes. U-1st Community is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.

How big is U-1st Community?

U-1st Community holds $10 million in total assets, ranking 17th of 37 credit unions we track in New Mexico. It serves 867 members.

Does U-1st Community have CFPB complaints?

No CFPB complaints against U-1st Community appear in our data over the analysis window, which is typical for a credit union of this size.

Similar Credit Unions

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Internationalites
credit union · Carlsbad, NM · $11M assets
The Florist
credit union · Roswell, NM · $7M assets
Rincones Presbyterian
credit union · Chacon, NM · $6M assets
Deming Schools Employees
credit union · Deming, NM · $5M assets
Four Corners
credit union · Kirtland, NM · $15M assets

Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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