State credit union · Albuquerque, New Mexico · NCUA charter #68244
First Financial
Health score 78/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $1.11B
- Total assets
- 98,616
- Members
- 6.8%
- Net-worth ratio
First Financial - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #68244. See our deposit-insurance coverage note.
First Financial - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)69
- Asset quality (delinquency)67
- Earnings (ROA)73
- Member growth100
- Liquidity (loan-to-share)100
Weighted composite: 78/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
6.75% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 6.75% | 30% |
| Delinquency Rate | 1.44% | 25% |
| Return on Assets | 0.23% | 15% |
| Member Growth | 6.70% | 15% |
| Loan-to-Share Ratio | 70.45% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $1.11B | 98,616 |
| 2024Q4 | $916.6M | 92,425 |
| 2023Q4 | $877.7M | 90,940 |
Credit Union Details
- Charter Number
- 68244
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- New Mexico
- City
- Albuquerque
- Data Quarter
- 2025Q4
What This Data Says About First Financial
First Financial is a state credit union headquartered in Albuquerque, New Mexico, serving 98,616 members with $1.11B in total assets and $700.3M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 78/100 (Very Good), anchored by a net worth ratio of 6.75% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #68244 operates under peer group Over $500M, a cohort of 749 similarly-sized institutions.
1.44% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers. Deposit deployment is captured by the 70.45% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.23% on net income of $2.6M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 6.70%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in New Mexico
A look at other New Mexico credit unions, ranked by how closely their peer group and asset size match this one.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is First Financial financially healthy?
Yes/no aside, the number is 78/100 (Very Good) - First Financial's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 6.75% net worth ratio and 1.44% delinquency rate are the key drivers.
How does First Financial compare to other credit unions?
On PlainCU's health composite, First Financial lands at 78/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join First Financial?
Membership eligibility for First Financial depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact First Financial directly for current membership requirements and application steps.
Is my money safe at First Financial?
Federal credit unions like First Financial are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. First Financial's net worth ratio of 6.75% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does First Financial offer compared to banks?
Credit unions like First Financial are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact First Financial directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.