Federal credit union · San Angelo, Texas · NCUA charter #8715
1st Community
Health score 75/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $408.1M
- Total assets
- 23,627
- Members
- 13.6%
- Net-worth ratio
1st Community scores 75/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $408.1M; members 23,627; net-worth ratio 13.58%; health rank #3,263 of 4,374; healthier than 24th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,263 of 4,374 health · 2025Q41st Community · health 75/100 · $408.1M · 2025Q4
- HEALTH 75/100
- NW 13.6%
- DELQ 3.83%
- ROA 1.05%
- ASSETS $408.1M
- MEM 23,627
- RANK #3,263/4,374
- PHOTO Ocean Financial
- BOOK 8715
Call Report peers
1st Community in the assets neighbourhood
1st Community's $408.1M assets sit next to Ocean Financial ($407.6M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
1st Community vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
75 24th percentile higher than 24% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
1st Community - Share Insurance Coverage
Charter #8715's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
1st Community vs $100M–$500M peers
- Largest favorable gap: Loan-to-Share Ratio at 80.04% vs peer 72.20% (+7.84 pp).
- Largest lag: Delinquency Rate at 3.83% vs peer 0.89% (+2.93 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Texas standing for 1st Community
- In Texas, health place is #288 of 386 on the same NCUA-ratio sort used nationally.
- By total assets, 1st Community is #73 of 386 in Texas.
- Membership ranks #78 of 386 among Texas CUs with a reported count (23,627 members).
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How 1st Community's 5300 filing moved
1st Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.5% from $408.1M (2025Q4) to $422.2M (2026Q1).
- Net-worth ratio shifted -0.13 pp (13.71% → 13.58%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 13.58%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 75/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 75.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 1.1 pts
- Return on Assets 15.0 pts
- Member Growth 13.7 pts
- Loan-to-Share Ratio 15.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.58% | +1.47 pp |
| Delinquency Rate | 3.83% | +2.93 pp |
| Return on Assets | 1.05% | +0.42 pp |
| Member Growth | 3.90% | - |
| Loan-to-Share Ratio | 80.04% | +7.84 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
1st Community quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $422.2M | - |
| 2025Q4 | $408.1M | 23,627 |
| 2024Q4 | $397.2M | 22,741 |
| 2023Q4 | $382.4M | 23,483 |
Credit Union Details
- Charter Number
- 8715
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Texas
- City
- San Angelo
- Data Quarter
- 2025Q4
Branch Locations (11)
Per its most recent NCUA branch filing, 1st Community runs 11 offices in 7 different cities.
| Office | City |
|---|---|
| Wildewood (Main Office) | San Angelo, TX |
| Ballinger | Ballinger, TX |
| Crane | Crane, TX |
| Eldorado | Eldorado, TX |
| Fort Stockton | Fort Stockton, TX |
| Base | Goodfellow AFB, TX |
| GAFB BX ATM | Goodfellow AFB, TX |
| GAFB Events Center ATM | Goodfellow AFB, TX |
| Midland | Midland, TX |
| Northside | San Angelo, TX |
| College Hills | San Angelo, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Cross-state Call Report peers for 1st Community
1st Community's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($408.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (75/100 here).
Using this data
- 1st Community ranks #3,263 of 4,374 nationally on financial health and #288 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- AMERICA'S is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with AMERICA'S
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is 1st Community financially healthy?
1st Community scores 75/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,263 of 4,374; by total assets it ranks #855 of 4,374 nationally (same basis as /rankings/largest); and #73 of 386 within Texas. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 13.58% net worth ratio and a 3.83% delinquency rate.
How does 1st Community compare to other credit unions?
PlainCU's health composite puts 1st Community at 75/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join 1st Community?
1st Community operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact 1st Community directly for the exact boundaries and application steps.
Is my money safe at 1st Community?
Federal credit unions like 1st Community are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. 1st Community's net worth ratio of 13.58% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does 1st Community offer compared to banks?
Credit unions like 1st Community are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact 1st Community directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.