U-1ST Community Federal Credit Union Carlsbad, New Mexico
U-1ST Community Federal Credit Union is a federal credit union headquartered in Carlsbad, NM, established in 1955 (NCUA charter 10580), and it is regulated and insured by the NCUA. At Q2 2026 it reported 826 members and total assets of $9.3M (down 5.1% from Q2 2025), the 32nd largest of 37 credit unions headquartered in New Mexico. Its net worth ratio was 14.38% at Q2 2026, in the well capitalized band.
Also written as U-1ST Community FCU
BankRegReports is independent of U-1ST Community Federal Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 10580
- Headquarters
- Carlsbad, NM
- Established
- 1955
- Total assets, Q2 2026
- $9.3M
- Assets vs Q2 2025
- -5.1%
- Members, Q2 2026
- 826
- Net worth ratio, Q2 2026
- 14.38%
- Latest call report
- Q2 2026, NCUA 5300 · U-1ST Community Federal Credit Union call report
- Asset rank in state
- 32nd of 37 in New Mexico
- Routing number
- 312276111
- Branches
- 2
It has 35 fewer members than on June 30, 2025 (-4.1%). Its net worth ratio was up 0.21 percentage points from 14.17% on June 30, 2025. Used vehicle loans are its largest loan category, $2.4M of $6.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.24% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 14.38% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in New Mexico
Frequently asked about U-1ST Community Federal Credit Union
How big is U-1ST Community Federal Credit Union?
At Q2 2026 it reported total assets of $9.3M and 826 members.
Where is U-1ST Community Federal Credit Union headquartered?
It is headquartered in Carlsbad, NM, United States.
When was U-1ST Community Federal Credit Union founded?
It was established in 1955, per NCUA records.
Is U-1ST Community Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 10580): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates U-1ST Community Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is U-1ST Community Federal Credit Union well capitalized?
Its net worth ratio was 14.38% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is U-1ST Community Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.24% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is U-1ST Community Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 74.95% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Carlsbad, NM 88220
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1955
- NCUA Charter #
- 10580
- RSSD ID
- 195483
- Members
- 826
- Potential members
- 15,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures and in the bottom quartile on 3.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 14.38% | 14.31% | 50th above |
| Return on assets Middle half of peers: 0.16% to 1.30% | -3.72% | 0.72% | under 10th bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | -25.91% | 4.74% | under 10th bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.81% | 3.93% | 81st top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 199.84% | 79.83% | under 10th bottom |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.66% | 0.78% | 58th above |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.24% | 0.86% | 82nd top |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.47% | 4.70% | 78th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 74.95% | 58.92% | 74th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$9.3M total assets against $9.8M; $8.0M total shares and deposits against $8.4M; $6.0M total loans against $6.0M.
$1.3M net worth against $1.4M.
14.38% net worth ratio against 14.17%.
74.95% loan-to-share ratio against 71.63%.
0.24% delinquency ratio against 0.20%.
-3.72% return on assets against 0.42%; -25.91% return on equity against 2.93%.
4.81% net interest margin against 4.15%.
826 members against 861.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 14.38% | -3.72% | 0.24% | 74.95% |
| March 31, 2026 | 14.97% | 0.77% | 0.15% | 70.24% |
| December 31, 2025 | 14.88% | -0.52% | 0.25% | 76.28% |
| September 30, 2025 | 14.95% | 1.22% | 2.06% | 73.78% |
| June 30, 2025 | 14.17% | 0.42% | 0.20% | 71.63% |
| March 31, 2025 | 14.48% | 1.05% | 0.58% | 72.43% |
Scroll sideways to see every column.
Watch flags
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.