601 N. Canal St. Carlsbad, NM 88220  575-887-1785 or 575-887-0098   Routing #: 312276111     u1stcommfcu@pvtn.net

5 Star U-1st Community FCU

July 3, 2019

Treating You Like Family Since 1955

June 2019, Coral Gables, Florida: U· 1st Community F.C.U., Carlsbad, New Mexico has achieved another Superior 5-Star Rating from BauerFinancial, the Nation’s Premier Bank and Credit Union Rating Firm. In the 30-plus years that Bauer has been analyzing banks and credit unions, there has been a rise of increasingly complicated investments as well as burgeoning regulation. Each has added another hurdle when it comes to earning a 5-Star Rating from Bauer, yet none have been a problem for U-1 st Community F.C.U .. Not only has the credit union maintained capital levels well in excess of what regulators require, U-1 st Community F.C.U. has been helping its members with prudent lending and innovative solutions – all without compromising its own financial health in the process. “This is one of the hallmarks of credit unions,” notes Karen Dorway, president of BauerFinancial. “The success of a credit union correlates directly to the success of its members. Credit unions invest in their own members for the success of the entire group as a whole, like a family. This approach has served U­-1st Community F.C.U. very well. Not only has U-1 st Community F.C.U. earned Bauer’s highest (5-Star) rating for financial strength and stability, it has earned and maintained Bauer’s recommendation (S·Stars or 4-Stars) for 48 consecutive quarters. Earning Bauer’s recommendation indicates this credit union excels in areas of capital adequacy, profitability, asset quality and much more. Bauer congratulates U-1 st Community F.C.U. on this achievement.”

U-1 st Community F.C.U. currently operates through a conveniently located office on North Canal Street in Carlsbad and can also be found online at ulstcommfcu.net.

U-1 st Community F.C.U.: “Where We Put YOU First!”

Member of the NCUA and an Equal Housing Lender. BAUERFINANCIAL, Inc., Coral Gables, Florida, the nation’s leading independent bank and credit union rating and research firm, has been reporting on and analyzing the performance of U.S. banks and credit unions since l 983. No institution can pay for or opt out of a BauerFinancial rating. Star-ratings are all available for free at bauerfiniJ,ncial.com.