Federal credit union · Carlsbad, New Mexico · NCUA charter #10580
U-1st Community
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $9.5M
- Total assets
- 864
- Members
- 15.0%
- Net-worth ratio
U-1st Community scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $9.5M; members 864; net-worth ratio 14.97%; health rank #595 of 4,374; healthier than 84th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#595 of 4,374 health · 2025Q4U-1st Community · health 93/100 · $9.5M · 2025Q4
- NW 93/100
- DELQ 15.0%
- ROA 0.25%
- ASSETS 1.00%
- MEM $9.5M
- RANK 864
- PHOTO #595/4,374
- BOOK n/a
- CHARTER 10580
Call Report peers
U-1st Community carries $9.5M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
U-1st Community 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
93 Top 16% higher than 84% 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
U-1st Community - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #10580 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for U-1st Community
- Strongest edge vs 566 $2M–$10M peers is Loan-to-Share Ratio: +12.68 pp (76.28% vs 63.60%).
- Widest shortfall vs peers is Net Worth Ratio: -4.09 pp (14.97% vs 19.06%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
U-1st Community in New Mexico
- In New Mexico, health place is #13 of 37 on the same NCUA-ratio sort used nationally.
- Assets rank #32 of 37 inside New Mexico ($9.5M reported).
- Member book place in New Mexico: #34 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.
Quarter path for U-1st Community
U-1st Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.7% from $9.5M (2025Q4) to $9.5M (2026Q1).
- Net-worth ratio shifted +0.09 pp (14.88% → 14.97%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 14.97% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 93/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 8.4 pts
- Loan-to-Share Ratio 14.6 pts
U-1st Community health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.97% | -4.09 pp |
| Delinquency Rate | 0.25% | -1.56 pp |
| Return on Assets | 1.00% | +0.55 pp |
| Member Growth | -0.35% | - |
| Loan-to-Share Ratio | 76.28% | +12.68 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
U-1st Community quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $9.5M | - |
| 2025Q4 | $9.5M | 864 |
| 2024Q4 | $9.3M | 867 |
| 2023Q4 | $9.1M | 883 |
Credit Union Details
- Charter Number
- 10580
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- New Mexico
- City
- Carlsbad
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for U-1st Community.
| Office | City |
|---|---|
| MAIN OFFICE (Main Office) | CARLSBAD, NM |
| Vital Records Center | CARLSBAD, NM |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Mexico
Other federally-insured credit unions in New Mexico, closest first by peer group and asset size.
U-1st Community nationwide neighbourhoods
Two NCUA Call Report peer sets for U-1st Community, both outside New Mexico so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
Using this data
- U-1st Community ranks #595 of 4,374 nationally on financial health and #13 of 37 in NM -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Quay Schools is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Quay Schools
- 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 U-1st Community financially healthy?
U-1st Community has a financial health score of 93/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #595 of 4,374; by total assets it ranks #3,587 of 4,374 nationally (same basis as /rankings/largest); and #32 of 37 within New Mexico. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 14.97% and delinquency rate of 0.25%.
How does U-1st Community compare to other credit unions?
On PlainCU's health composite, U-1st Community lands at 93/100, compared to a peer group average for $2M–$10M 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 U-1st Community?
U-1st Community 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 U-1st Community directly for the exact boundaries and application steps.
Is my money safe at U-1st Community?
Federal credit unions like U-1st Community 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. U-1st Community's net worth ratio of 14.97% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does U-1st Community offer compared to banks?
Credit unions like U-1st Community 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 U-1st Community 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.