Sep, 30, 2025 — FIRSTLIGHT FEDERAL CREDIT UNION is a federal credit union headquartered in EL PASO, TX with 12 branch locations and about $1.59 billion in total assets. Opened 71 years ago in 1955, FIRSTLIGHT FEDERAL CREDIT UNION has about 99,291 members and employs 338 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | FIRSTLIGHT FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 9983 Kenworthy St EL PASO, TX 79924 |
| Phone: | (915) 562-1172 |
| Fax: | (915) 745-4110 |
| Website: | https://www.firstlightfcu.org |
| Branches: | 12 branch locations |
| Members: | 99,291 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 10174 |
|---|---|
| Membership Type: | Multiple common bond - Primarily military |
| Corporate Credit Union: | No |
| Year Opened: | 1955 |
| Last Audited: | Jun 01, 2025 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $1,592,381,540 |
| CEO/Manager: | Margarita Salazar |
| Chairperson: | Joshua Orozco |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 310,447,779 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 615,339,444 |
| Unsecured Loans | 132,774,314 |
| Other Loans | 449,583,769 |
| TOTAL LOANS | 1,198,759,112 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -23,670,856 |
| Land And Building | 46,515,342 |
| Other Fixed Assets | 18,633,268 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 12,565,876 |
| All Other Assets | 366,306 |
| TOTAL ASSETS | 1,592,381,540 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 744,362 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 18,125,021 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 345,487,371 |
| Regular shares | 358,367,136 |
| All Other Shares & Deposits | 710,746,823 |
| TOTAL SHARES & DEPOSITS | 1,414,601,330 |
| TOTAL LIABILITIES | 1,433,470,713 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 158,910,827 |
| TOTAL EQUITY | 158,910,827 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 1,592,381,540 |
| INCOME & EXPENSE | |
| Loan Income | 62,402,643 |
| Investment Income | 6,359,096 |
| Other Income | 9,497,684 |
| Total Employee Compensation & Benefits | 23,117,470 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 24,628,867 |
| Non-operating Income & (Expense) | 2,598,379 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 18,463,413 |
| Cost of Funds | 17,158,343 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 1,615,183 |
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