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
Call Report peers
1st Community in the assets neighbourhood
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1st Community vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); 1st Community sits in 75-79 with 502 others.
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 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).
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).
- One place up in Texas, Northeast Texas Teachers (#287) ties at 75/100; one place down, BEACON (#289) ties at 75/100.
How 1st Community's 5300 filing moved
1st Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.5% from $408.1M (2025Q4) to $422.2M (2026Q1).
- Net-worth ratio shifted -0.13 pp (13.71% → 13.58%).
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
1st Community gives up 25 points in total. Delinquency Rate costs the most, 23.9 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is 1st Community financially healthy?
1st Community has a financial health score of 75/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,263 of 4,374 nationally on health and #288 of 386 in Texas. Its net worth ratio is 13.58% and its delinquency rate 3.83%.
How does 1st Community compare to other credit unions?
1st Community scores 75/100, higher than 24% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (80.04% vs 72.20%). Its widest shortfall is delinquency rate (3.83% vs 0.89%).
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?
1st Community is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.