State credit union · Albuquerque, New Mexico · NCUA charter #68244
First Financial
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $1.11B
- Total assets
- 98,616
- Members
- 8.3%
- Net-worth ratio
First Financial scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.11B; members 98,616; net-worth ratio 8.33%; health rank #2,191 of 4,374; healthier than 50th of scored peers.
NCUA 5300 Call Report masthead
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First Financial vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); First Financial sits in 80-84 with 767 others.
84 Top 50% higher than 50% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
First Financial vs Over $500M peers
- Widest shortfall vs peers is Loan-to-Share Ratio: -13.45 pp (70.45% vs 83.90%).
New Mexico standing for First Financial
- New Mexico health ordinal: #23 of 37.
- By total assets, First Financial is #7 of 37 in New Mexico.
- New Mexico membership ordinal: #3 of 37.
- One place up in New Mexico, Northern New Mexico School Employee (#22) ties at 84/100; one place down, INTERNATIONALITES (#24) scores 82/100, 2 points lower.
First Financial: 2025Q4 → 2026Q1
First Financial: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.9% from $1.11B (2025Q4) to $1.13B (2026Q1).
- Net-worth ratio shifted -0.42 pp (8.75% → 8.33%).
8.33% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 84/100 score is built
First Financial gives up 16 points in total. Delinquency Rate costs the most, 8.3 of its 25; Member Growth and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 25.8 pts
- Delinquency Rate 16.7 pts
- Return on Assets 11.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.33% | -2.85 pp |
| Delinquency Rate | 1.44% | +0.57 pp |
| Return on Assets | 0.23% | -0.27 pp |
| Member Growth | 6.70% | - |
| Loan-to-Share Ratio | 70.45% | -13.45 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Call Report history - First Financial
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.13B | - |
| 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
Branch Locations (20)
First Financial operates 20 offices across 13 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Renaissance / Main Office (Main Office) | Albuquerque, NM |
| San Mateo Branch | Albuquerque, NM |
| Coors Branch | Albuquerque, NM |
| Juan Tabo | Albuquerque, NM |
| Renaissance - Branch | Albuquerque, NM |
| South Valley Branch | Albuquerque, NM |
| Cherry Hills | Albuquerque, NM |
| Bernalillo Branch | Bernalillo, NM |
| Deming Branch | DEMING, NM |
| Farmington Branch | Farmington, NM |
| SWFCU - Farmington | Farmington, NM |
| Gallup Mesa View | Gallup, NM |
| Gallup Downtown | GALLUP, NM |
| University Branch | LAS CRUCES, NM |
| SWFCU - Los Ranchos | Los Ranchos, NM |
| Pinehill | PINEHILL, NM |
| Portales Branch | Portales, NM |
| Rio Rancho Branch | Rio Rancho, NM |
| Silver City Branch | SILVER CITY, NM |
| Zuni Branch | Zuni, NM |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
First Financial nationwide neighbourhoods
Using this data
- First Financial ranks #2,191 of 4,374 nationally on financial health and #23 of 37 in NM -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- KIRTLAND is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with KIRTLAND
Frequently Asked Questions
Is First Financial financially healthy?
First Financial has a financial health score of 84/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,191 of 4,374 nationally on health and #23 of 37 in New Mexico. Its net worth ratio is 8.33% and its delinquency rate 1.44%.
How does First Financial compare to other credit unions?
First Financial scores 84/100, higher than 50% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (70.45% vs 83.90%).
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?
First Financial is a state-chartered credit union; its shares are federally 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 8.33% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.