Federal credit union · El Paso, Texas · NCUA charter #10174
FIRSTLIGHT
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $1.59B
- Total assets
- 98,504
- Members
- 10.2%
- Net-worth ratio
FIRSTLIGHT scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.59B; members 98,504; net-worth ratio 10.20%; health rank #1,496 of 4,374; healthier than 65th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,496 of 4,374 health · 2025Q4FIRSTLIGHT · health 88/100 · $1.59B · 2025Q4
- HEALTH 88/100
- NW 10.2%
- DELQ 0.55%
- ROA 0.34%
- ASSETS $1.59B
- MEM 98,504
- RANK #1,496/4,374
- PHOTO PIMA
- BOOK 10174
Call Report peers
FIRSTLIGHT in the assets neighbourhood
FIRSTLIGHT's $1.59B assets sit next to PIMA ($1.60B) 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.
FIRSTLIGHT 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
88 Top 35% higher than 65% 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
FIRSTLIGHT - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #10174: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
FIRSTLIGHT vs Over $500M peers
- Largest favorable gap: Loan-to-Share Ratio at 86.38% vs peer 83.90% (+2.48 pp).
- Net Worth Ratio trails the peer set - 10.20% here, 11.18% peer average (-0.98 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
FIRSTLIGHT in Texas
- Health composite ranks #141 of 386 among scored Texas credit unions.
- Assets rank #22 of 386 inside Texas ($1.59B reported).
- Texas membership ordinal: #23 of 386.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How FIRSTLIGHT's 5300 filing moved
FIRSTLIGHT: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.1% from $1.59B (2025Q4) to $1.63B (2026Q1).
- Net-worth ratio shifted -0.03 pp (10.23% → 10.20%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
10.20% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 88/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.5 pts
- Return on Assets 12.7 pts
- Member Growth 6.0 pts
- Loan-to-Share Ratio 14.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.20% | -0.98 pp |
| Delinquency Rate | 0.55% | -0.33 pp |
| Return on Assets | 0.34% | -0.16 pp |
| Member Growth | -1.69% | - |
| Loan-to-Share Ratio | 86.38% | +2.48 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 - FIRSTLIGHT
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.63B | - |
| 2025Q4 | $1.59B | 98,504 |
| 2024Q4 | $1.60B | 100,195 |
| 2023Q4 | $1.55B | 107,260 |
Credit Union Details
- Charter Number
- 10174
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Texas
- City
- El Paso
- Data Quarter
- 2025Q4
Branch Locations (12)
FIRSTLIGHT operates 12 offices across 5 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Administration (Main Office) | El Paso, TX |
| Kenworthy Branch | El Paso, TX |
| Lee Trevino Branch | El Paso, TX |
| North Desert Branch | El Paso, TX |
| Pike Branch | El Paso, TX |
| Zaragoza Branch | El Paso, TX |
| Mills | EL PASO, TX |
| East Fort Bliss | Fort Bliss, TX |
| Darrington Branch | Horizon City, TX |
| Del Rey Branch | Las Cruces, NM |
| Lohman Branch | Las Cruces, NM |
| Idaho Branch | Las Cruces, NM |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
A look at other Texas credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for FIRSTLIGHT - kept outside Texas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.59B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
Using this data
- FIRSTLIGHT ranks #1,496 of 4,374 nationally on financial health and #141 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Red River Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Red River Employees
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas 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 FIRSTLIGHT financially healthy?
A 10.20% net worth ratio and a 0.55% delinquency rate feed into FIRSTLIGHT's financial health score of 88/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,496 of 4,374; by total assets it ranks #308 of 4,374 nationally (same basis as /rankings/largest); and #22 of 386 within Texas. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does FIRSTLIGHT compare to other credit unions?
On PlainCU's health composite, FIRSTLIGHT lands at 88/100, 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 FIRSTLIGHT?
FIRSTLIGHT operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact FIRSTLIGHT directly for the exact boundaries and application steps.
Is my money safe at FIRSTLIGHT?
Federal credit unions like FIRSTLIGHT 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. FIRSTLIGHT's net worth ratio of 10.20% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does FIRSTLIGHT offer compared to banks?
Credit unions like FIRSTLIGHT 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 FIRSTLIGHT 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.