At a glance
From its website, read 2 Nov 2026First Financial Credit Union is a credit union based in Albuquerque, New Mexico. Its website describes auto loans, commercial real estate loans, equipment loans and 4 other loan types. Consumer loan APRs stated on its site range from 3.99% to 5.69%. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Toll-free | (800) 342-8298 source |
|---|---|
| Lending | (505) 357-1006 source |
| Lending | (505) 462-1027 source |
| Apply online | Page with the application link |
| Website | www.ffnm.org |
| Office (official list) | 4910 Union Way NE, Albuquerque, NM 87107 |
What their website says about applying
If you have any questions or would like to apply for a Business Loan, please contact Commercial Lending at
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Auto / vehicle loans | Rate: from 3.99% APR | As Low As 3.99 % APR* Auto Loans | source |
| Auto / vehicle loans | Rate: from 5.69% APR | AS LOW AS 5.69 % APR* Used Auto Loans | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Minimum credit score: 680
Minimum 680 Credit Score
source - Income limit applies
Household income must be at or below area median income*
source - First-time homebuyer program
first-time home buyers program
source - Collateral flexible or not always required
No collateral necessary
source - Collateral required
The existing equity in your home is used as collateral backing
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 4 Sep 2015 |
| RSSD ID | 1014974 |
| Address | 4910 Union Way NE, Albuquerque, NM 87107 Directions (Google Maps) |
| Website | www.ffnm.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. No service-area statement was found, and the only loan amount stated is a personal-loan minimum of $1001. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | Competitive rates on new or used vehicles | source |
| Commercial real estate loans | — | FFCU can help you buy, build or invest in property that will help your business grow. | source |
| Equipment loans | — | Specialized Collateral and Equipment Loans | source |
| Home mortgages | — | Competitive rates for home purchase or refinance | source |
| Personal / consumer loans | — | Competitive rates for a wide variety of personal needs | source |
| SBA-backed loans (7(a)/504/Community Advantage) | — | 7a and 504 loan options available | source |
| Small-business loans | — | Gives you the ability to borrow money when you need it. | source |
Loan sizes
Minimum loan amount of $1001
source
Service area
Not stated on the pages we read.
Borrower focus
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Apply for a Loan
source
Pages read (7)
- https://www.ffnm.org/
- https://www.ffnm.org/loans-credit/loans
- https://www.ffnm.org/business/business-loans
- https://www.ffnm.org/personal-loan-consolidation.html
- https://www.ffnm.org/loans-credit/loans/auto-loans.html
- https://www.ffnm.org/loans-credit/loans/first-home.html
- https://www.ffnm.org/business/business-loans/sba-loans.html
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your home mortgages and personal loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your commercial real estate loans and equipment loans?
Their website does not state a rate for this. - How long can I take to repay?
No repayment terms are stated on their website. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$9.2 million in 5 awards from the U.S. Treasury's CDFI Fund, 2017–2024 (CDFI Equitable Recovery Program; CDFI Program, Financial Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $1,110,000 |
| 2022 | CDFI Equitable Recovery Program | $4,957,678 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2018 | CDFI Program, Financial Assistance | $750,000 |
| 2017 | CDFI Program, Financial Assistance | $596,500 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as FIRST FINANCIAL (charter 68244). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $1.1 billion (as of 30 Jun 2026) |
|---|---|
| Members | 100,171 (as of 30 Jun 2026) |
| Offices | 20 (as of 30 Jun 2026) |
Offices by state and county (20)
New Mexico (20 offices)
- Bernalillo County (8): 4914 Union Way NE, Albuquerque 87107 (main office); 2700 San Mateo Blvd NE, Albuquerque 87110; 3045 Avanzando Rd SW, Albuquerque 87105; 4910 Union Way NE, Albuquerque 87107; 6100 Coors Blvd NW, Albuquerque 87120; 8111 Harper Dr NE, Albuquerque 87111; 831 Juan Tabo Blvd NE, Albuquerque 87123; 7600 4th St NW, Los Ranchos 87107
- Cibola County (1): 12 Miles S Of Hwy 53, Pinehill 87357
- Doña Ana County (1): 901 E University Ave Ste Q, Las Cruces 88001
- Grant County (1): 2290 E Superior St, Silver City 88061
- Luna County (1): 801 E Cedar St, Deming 88030
- McKinley County (3): 1383 US Highway 491, Gallup 87301; 307 W Aztec Ave, Gallup 87301; 1230 Nm-53, Zuni 87327
- Roosevelt County (1): 700 W 2nd St, Portales 88130
- San Juan County (2): 111 S Miller Ave, Farmington 87401; 4919 E Main St, Farmington 87402
- Sandoval County (2): 165 E Highway 550, Bernalillo 87004; 2201 Rio Rancho Blvd SE, Rio Rancho 87124
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by First Financial Credit Union (NCUA charter 68244, filed as “FIRST FINANCIAL”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $751.4 million, 52,202 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 13.3% from $663.2 million on 30 Jun 2025 |
| Members | 100,171 (as of 30 Jun 2026); 95,061 (as of 30 Jun 2025) |
| Loans per member | $7,501 (total loans divided by members, 30 Jun 2026) |
| Total assets | $1.13 billion (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $247.2 million | 32.9% |
| Used vehicle loans | $179.5 million | 23.9% |
| First-lien home mortgages (1-4 family) | $103 million | 13.7% |
| Other real estate loans (junior liens, other) | $44.3 million | 5.9% |
| Commercial (business) loans | $65.4 million | 8.7% |
| Credit cards | $24.7 million | 3.3% |
| Other unsecured loans | $39.7 million | 5.3% |
| Leases and other secured loans | $47.5 million | 6.3% |
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025First Financial Credit Union reported 136 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $21.2M (median loan about $125,000). 37 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 37 | 27% |
| Refinance (incl. 53 cash-out) | 67 | 49% |
| Home improvement | 8 | 5.9% |
| Other purpose | 24 | 18% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 136 | 100% |
Included above: 9 loans on manufactured homes.
Where the loans were made
Counties with the most 2025 originations, out of 13 counties with at least one; 100% of its 2025 loans were for properties in New Mexico:
- Bernalillo County, NM (66)
- Sandoval County, NM (30)
- Grant County, NM (11)
- Luna County, NM (6)
- McKinley County, NM (6)
- Doña Ana County, NM (5)
- San Juan County, NM (4)
- Roosevelt County, NM (3)
Filed under LEI 5493002ABBXAWQFIKV03 as “FIRST FINANCIAL CREDIT UNION”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $1.13 billion | Larger than 67% of the 6 other certified credit unions in New Mexico (median $507.1 million). |
| Loans as a share of assets | 67% | Median of the same 6 credit unions: 63%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $663.2 million → $751.4 million (+13%) | Median change of 6 other certified credit unions in New Mexico: +8%. Rank by loans held among these 7: 3 → 3. |
| Home loans originated in 2025 (HMDA) | 136 | More than 56% of the 263 other certified CDFIs that reported 3 or more (119 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in New Mexico | 6 | larger than 67% |
| Loans held then vs now | certified credit unions in New Mexico reporting both dates | 6 | rank 3 → 3 of 7 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 56% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 2 SBA-backed approvals for First Financial Credit Union in fiscal years 2020–2026 (October 2019 to September 2026):
- 1 7(a) loans as the lender
- 1 504 projects as the third-party (first-lien) lender
By fiscal year: FY2020 0 · FY2021 1 · FY2022 0 · FY2023 0 · FY2024 0 · FY2025 1 · FY2026 0.
By program
- 7(a) standard (1, 50%)
- 504 projects (as the third-party lender) (1, 50%)
How this lender was matched in the SBA files: 504 third-party lender name: same name, state and city (SBA lists “First Financial Credit Union”); NCUA charter 68244, found through the RSSD ID in NCUA records (SBA lists “First Financial Credit Union”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. First Financial Credit Union may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files. For 504 projects, the CDC amount is the SBA-backed portion and the third-party lender amount is that lender's own first-lien loan.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Albuquerque and New Mexico
- DreamSpringLoan fund · Albuquerque, NMCommercial real estate loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- NEW MEXICO COMMUNITY DEVELOPMENT LOAN FUNDLoan fund · Albuquerque, NMOfficial list only
- Nusenda Credit UnionCredit union · Albuquerque, NMAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home mortgages…Verified
- Rio Grande Credit UnionCredit union · Albuquerque, NMAuto / vehicle loans, Commercial real estate loans, Home mortgagesVerified
- U.S. Eagle Federal Credit UnionCredit union · Albuquerque, NMOfficial list only
- Ventana FundLoan fund · Albuquerque, NMAffordable housing development loansVerified
- Women's Economic Self-Sufficiency TeamLoan fund · Albuquerque, NMSBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
Work at First Financial Credit Union? Link to this page
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