Credit union · NCUA insured
Eddy Federal Credit Union
A $62.1M credit union headquartered in Carlsbad, NM, with 4,950 members and 1 branch in New Mexico.
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Eddy Federal Credit Union
Eddy Federal Credit Union is based in Carlsbad, New Mexico.
- Headquarters
- 901 W Pierce St, Carlsbad, NM 88220-5268
- NCUA charter
- 9566
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live or work in Eddy County, New Mexico are eligible for membership.
Employers and groups
- Employees of Eddy Federal Credit Union are eligible for membership.
- Organizations of eligible persons are eligible for membership.
Military, government and schools
- Employees of the U.S. Post Office or Bureau of Land Management who work in Hobbs or Lovington, New Mexico are eligible for membership.
Family and household
- Members of the immediate families of eligible persons are eligible for membership.
- Spouses of persons who died while within the field of membership of Eddy Federal Credit Union are eligible for membership.
1 more way to join
Other ways
- Persons who were members of Eddy Federal Credit Union on January 16, 1976 are eligible for membership.
Branches
1 branch in New Mexico
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New Mexico
1 branch
- Eddy Federal Credit UnionMain office901 W Pierce St, Carlsbad, NM 88220Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 18.34% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.00% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -0.00% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $90 | $59 | — |
- CapitalNet worth ratio18.34%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.00%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-0.00%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$90Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Eddy Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.