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
Call Report peers
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
The busiest band is 85-89 (858 credit unions); U-1st Community sits in 90-94 with 747 others.
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
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%).
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.
- One place up in New Mexico, Los Alamos Schools (#12) scores 94/100, 1 point higher; one place down, NUSENDA (#14) scores 92/100, 1 point lower.
Quarter path for U-1st Community
U-1st Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.7% from $9.5M (2025Q4) to $9.5M (2026Q1).
- Net-worth ratio shifted +0.09 pp (14.88% → 14.97%).
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
U-1st Community gives up 7 points in total. Member Growth costs the most, 6.6 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is U-1st Community financially healthy?
U-1st Community has a financial health score of 93/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #595 of 4,374 nationally on health and #13 of 37 in New Mexico. Its net worth ratio is 14.97% and its delinquency rate 0.25%.
How does U-1st Community compare to other credit unions?
U-1st Community scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (76.28% vs 63.60%). Its widest shortfall is net worth ratio (14.97% vs 19.06%).
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?
U-1st Community is a federal 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. U-1st Community's net worth ratio of 14.97% 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.