Credit union · NCUA insured
FirstLight Federal Credit Union
A $1.6B credit union, the 304th largest of 4,329, headquartered in El Paso, TX, with 98,481 members and 11 branches in 2 states. Best rates: CDs 4.15% and savings 0.15% APY.
FirstLight Federal Credit Union Carrot Score
83
Carrot Score
Higher than 62% of U.S. banks and credit unions
#5 of 17 in El Paso, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About FirstLight Federal Credit Union
Founded in 1955 to serve military and civilian personnel on Biggs Air Force Base, FirstLight Federal Credit Union is a member-owned community financial cooperative.
Originally named Frontier FCU before subsequent mergers and becoming FirstLight FCU in 2005, the credit union serves Fort Bliss as well as El Paso and Dona Ana Counties.
- Headquarters
- 9983 Kenworthy St, El Paso, TX 79924
- NCUA charter
- 10174
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Eligibility is open to individuals who live, work, worship, or attend school in Dona Ana County.
- Eligibility is open to individuals who live, work, worship, or attend school in El Paso County.
Military, government and schools
- Eligibility is open to individuals stationed at Fort Bliss.
Family and household
- Eligibility is open to family members of an existing FirstLight member, defined as spouse, child, sibling, parent, grandparent, grandchild, step, and adoptive relationships.
Cost to join
- A $5 share deposit is required for membership ownership.
Branches
11 branches in 2 states
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Texas
8 branches
- AdministrationMain office9983 Kenworthy St, El Paso, TX 79924Directions
- Kenworthy Branch9993 Kenworthy St, El Paso, TX 79924Directions
- Lee Trevino Branch1555 N Lee Trevino Dr, El Paso, TX 79936Directions
- North Desert Branch5050 N Desert Blvd, El Paso, TX 79912Directions
- Pike Branch1635 Pike Rd, El Paso, TX 79906Directions
- Zaragoza Branch2200 N Zaragoza Rd, El Paso, TX 79938Directions
- East Fort Bliss20727 Constitution Ave, Fort Bliss, TX 79918Directions
- Darrington Branch15002 Darrington Rd, Horizon City, TX 79928Directions
New Mexico
3 branches
- Del Rey Branch3105 Del Rey Blvd, Las Cruces, NM 88012Directions
- Idaho Branch522 E Idaho Ave, Las Cruces, NM 88001Directions
- Lohman Branch3791 E Lohman Ave, Las Cruces, NM 88011Directions
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
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.33% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.48% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.93% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $93 | $88 | — |
- CapitalNet worth ratio10.33%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.48%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.93%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$93Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more 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 FirstLight 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.