Credit union · NCUA insured
Financial Security CU
A $63.8M credit union headquartered in Carlsbad, NM, with 5,139 members and 2 branches in New Mexico. Best rates: CDs 3.34% and savings 0.15% APY.
Financial Security CU Carrot Score
64
Carrot Score
Higher than 11% of U.S. banks and credit unions
#4 of 6 in Carlsbad, NM metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Financial Security CU
Financial Security Credit Union was chartered on October 7, 1954, as Carlsbad School Employees Credit Union.
In June 2007, the credit union adopted its current name and constructed a new home office building in Carlsbad, New Mexico.
Effective July 2013, the credit union expanded its service area to serve all those living and/or working within Eddy County, New Mexico.
- Headquarters
- 1105 W Pierce St, Carlsbad, NM 88220-4014
- NCUA charter
- 62452
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Residents living and/or working in Eddy County, New Mexico are eligible for membership.
Family and household
- Members of the immediate families of persons living and/or working in Eddy County, New Mexico (defined as any relative by blood or marriage, including adoptive and foster children) are eligible for membership.
Other ways
- Organizations of persons living and/or working in Eddy County, New Mexico are eligible for membership.
Cost to join
- A deposit or payment of $26.00 is required to establish a Membership Account.
Branches
2 branches in New Mexico
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New Mexico
2 branches
- Financial Security CU Main OfficeMain office1105 W Pierce St, Carlsbad, NM 88220Directions
- Financial Security Credit Union South Branch2603 S Canal 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 | 16.62% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.69% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.97% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $89 | $59 | — |
- CapitalNet worth ratio16.62%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.69%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.97%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$89Peers’ 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 Financial Security CU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.