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
NCUA 5300 Call Report Masthead
#2,191 of 4,374 health · 2025Q4First Financial · health 84/100 · $1.11B · 2025Q4
- ROA 84/100
- ASSETS 8.3%
- MEM 1.44%
- RANK 0.23%
- PHOTO $1.11B
- BOOK 98,616
- CHARTER #2,191/4,374
- NCUSIF FIVEPOINT
- CAMELS 68244
First Financial in the assets neighbourhood
First Financial's $1.11B assets sit next to FIVEPOINT ($1.11B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
First Financial vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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 - 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 vs Over $500M peers
- Widest shortfall vs peers is Loan-to-Share Ratio: -13.45 pp (70.45% vs 83.90%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for NM only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
First Financial: 2025Q4 → 2026Q1
First Financial: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.9% from $1.11B (2025Q4) to $1.13B (2026Q1).
- Net-worth ratio shifted -0.42 pp (8.75% → 8.33%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
First Financial's nationwide photo peers by assets and by health score, excluding New Mexico charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.11B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
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
- Rates and health both vary by institution, not just by state -- see how New Mexico credit unions compare overall before assuming this one is typical. New Mexico state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is First Financial financially healthy?
Yes/no aside, the number is 84/100 (Excellent) - First Financial's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,191 of 4,374; by total assets it ranks #433 of 4,374 nationally (same basis as /rankings/largest); and #7 of 37 within New Mexico. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.33% 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 84/100, 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 8.33% exceeds 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.
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.