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Financial Security Credit Union Share
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Overview Share
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Financial Security Credit Union is a federally insured state credit union based in Carlsbad, New Mexico. It has been opened since 1954, for 68 years.

With around $46,610,000 in assets, Financial Security Credit Union is considered to be an average size credit union. It has 2 branches and 2 ATM locations.

About Share
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Address 1105 West Pierce Street
Carlsbad, New Mexico 88220
Website http://www.finseccu.com
Phone (575) 887-6030
Fax (575) 885-5054
CEO Judy A. Carrasco
President of the Board Jason Crockett
Services Offered
Score Card Share
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68 years
Years in business
Opened in 1954
Well Capitalized
Net worth classification
Source: NCUA
4,552 members
Membership type: State chartered natural person credit union
Average number of members
240:1
Credit union member to staff ratio
240 per each FTE employee
Compared to 411:1 nationally
Tons of staff!
$46,605,632
Total assets
Average size
2 branches
Compared with an average of 4 nationally and 3 in New Mexico
Above average number of branches
0.10%
Savings interest rate
Compared to 0.3% nationally
11.60%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches Share
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2 branches
Compared with an average of 4 nationally and 3 in New Mexico
Above average number of branches
Financial Security Credit Union Branch Locations

Financial Security Credit Union South Branch
2603 S. Canal Street
Carlsbad, New Mexico 88220
ATM Available
Financial Security Credit Union Main Office
1105 W. Pierce Street
Carlsbad, New Mexico 88220
ATM Available
Members Share
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4,552 members
Membership type: State chartered natural person credit union
Average number of members

With 4,552 members, the Financial Security Credit Union is considered to be a medium size credit union. It is larger than 55% of credit unions.

Fees Share
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$147
Average fee per member
The average fee per member at the Financial Security Credit Union is $147, which is very high compared to most credit unions. This rate is higher than 96% of all credit unions.
Fees are higher than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Financial Security Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff Share
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240:1
Credit union member to staff ratio
240 per each FTE employee
Compared to 411:1 nationally
Tons of staff!
19 staff members
FTE (full-time equivalent)
0% of employees are part-time
19 full-time, 0 part-time

Financial Security Credit Union has 19 full-time staff members and 0 part-time staff members.

The number of members relative to staff members is an indication of how well staffed the credit union is. Financial Security Credit Union has around 240 members per staff, a very low ratio compared to other credit unions. This is a very well staffed credit union.

Assets Share
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$46,605,632
Total assets
Average size
Net worth Share
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
12.6%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases Share
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$13,751
Average loan and lease size
Loan & lease sizes are bigger than average. They are bigger than at 74% of credit unions.

Financial Security Credit Union holds a total of $29,210,000 in loans and leases, which is about $13,751 per member on average.

Savings interest rate Share
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0.10%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Financial Security Credit Union pays 0.10%.

Loan rates Share
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11.60%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
9.65%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
6.12%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates Share
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4.57%
New car loan rate
Compared to 4.0% nationally
5.68%
Used car loan rate
Compared to 5.2% nationally

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Financial Security Credit Union Main Office
Credit Union Branch: 1105 W. Pierce Street
Carlsbad, New Mexico 88220 ATM Available
Financial Security Credit Union Main Office ATM
Credit Union ATM: 1105 W. Pierce Street
Carlsbad, New Mexico 88220
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Financial Security Credit Union South Branch ATM
Credit Union ATM: 2603 S. Canal Street
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Financial Security Credit Union South Branch
Credit Union Branch: 2603 S. Canal Street
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Service Credit Union Routing Number
Resource: Service Credit Union Routing Number Service Credit Union is a credit union based in Portsmouth, New Hampshire. Service Credit Union’s US routing number is 211489656.
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