Credit Union Safety Analysis
Is First Financial Credit Union Safe? Albuquerque, New Mexico
Based on its Q2 2026 NCUA 5300 call report, First Financial Credit Union has a net worth ratio of 8.12%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.40%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, First Financial Credit Union's net worth ratio is 8.12%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 8.12%
- Delinquency ratio (60+ days) (Q2 2026): 1.40%
- Return on assets (Q2 2026): 0.68%
- Loan-to-share ratio (Q2 2026): 73.78%
First Financial Credit Union (NCUA charter 68244, established 1937) reported $1.13B in assets and 100,171 members for Q2 2026 from Albuquerque, New Mexico. It ranks 7 of 37 credit unions in New Mexico by total assets. Total assets grew 13.9% from $988.7M on June 30, 2025. It has 5,110 more members than on June 30, 2025 (+5.4%). Its net worth ratio was down 2.39 percentage points from 10.51% on June 30, 2025. New vehicle loans are its largest loan category, $247.2M of $751.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.40% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 8.33% for Q1 2026; 10.51% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 1.13% for Q1 2026; 0.98% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: -0.10% for Q1 2026; 0.29% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 71.06% for Q1 2026; 74.38% for Q2 2025.
Loans by type, Q2 2026
- New vehicle loans: $247.2M
- Used vehicle loans: $179.5M
- 1- to 4-family residential and other consumer real estate loans: $147.3M
- Commercial loans: $65.4M
- Other secured non-real estate loans and lines of credit: $47.5M
- Other unsecured loans and lines of credit: $39.7M
- Unsecured credit card loans: $24.7M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.13B | 8.12% | 1.40% | 0.68% | 73.78% |
| March 31, 2026 | $1.13B | 8.33% | 1.13% | -0.10% | 71.06% |
| December 31, 2025 | $1.11B | 8.75% | 1.44% | 0.21% | 70.45% |
| September 30, 2025 | $1.08B | 9.27% | 1.34% | 1.38% | 71.46% |
| June 30, 2025 | $988.7M | 10.51% | 0.98% | 0.29% | 74.38% |
| March 31, 2025 | $964.7M | 8.88% | 0.55% | 0.35% | 75.75% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
First Financial Credit Union profile
Regulator records: NCUA credit union profile (charter 68244) · FFIEC NIC profile (RSSD 1014974)
Frequently asked questions
Is First Financial Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, First Financial Credit Union's net worth ratio is 8.12%, above the 7% NCUA threshold for well capitalized.
Is First Financial Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. First Financial Credit Union is a federally insured credit union (NCUA charter 68244): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are First Financial Credit Union's key safety ratios?
For Q2 2026, First Financial Credit Union reports net worth 8.12%, delinquency 1.40%, ROA 0.68%, loan-to-share 73.78%.
What happens to my money if First Financial Credit Union fails?
For Q2 2026, First Financial Credit Union held $1.02B in shares and deposits for 100,171 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.