FIRSTLIGHT Credit Union Profile

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FIRSTLIGHT

Charter #10174 | NCUA Region 2 | FCU

Low-Income Designation: Yes

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (915) 562-1172

Fax: (915) 745-4110

Founding Date: N/A

Website: https://www.firstlightfcu.org

Personnel & Operations

President: Orozco, Joshua

Manager: Salazar, Margarita

FT Employees: 345

PT Employees: 1

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 35

Branches: 12

Hours: m-f 9:00am to 5:00 pm Sat 9:00 am to 1:00

Credit Union Profile Summary

FIRSTLIGHT is a FCU Credit Union. With a total of 99,396 members ^[1], this institution manages approximately $1,590,900,608 in total assets ^[1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 9.86% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -7.79% ^[1].

Financial Snapshot

Total Assets ^[1]

$1,590,900,608

Total economic resources.

Total Loans ^[1]

$1,229,398,021

Total value of outstanding loans.

Total Deposits ^[1]

$1,415,939,748

Total funds deposited by members.

Members ^[1]

99,396

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

9.86%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) ^[1]

-0.27%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio ^[1]

86.83%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↓ -0.82%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) ^[1]

↓ -7.79%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) ^[1]

↓ -1.84%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

9983 Kenworthy St

El Paso, TX, 79924

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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

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Branch Locations

Found 10 branches reported by FIRSTLIGHT (Charter #10174).

Main Office

Administration Main Office

Type: Corporate Office

9983 Kenworthy St

El Paso, TX 79924

Phone: (915) 562-1172

Services: Member Services

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Additional Branches

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Fort Bliss

East Fort Bliss

Type: Branch Office

Type: Branch Office

3791 E Lohman Ave

Las Cruces, NM 88011

Phone: (575) 526-4401

Services: Member Services, ATM, Drive-Thru

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