State credit union · Chambersburg, Pennsylvania · NCUA charter #65412
1st Ed Credit Union
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $138.8M
- Total assets
- 7,046
- Members
- 15.6%
- Net-worth ratio
1st Ed Credit Union scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $138.8M; members 7,046; net-worth ratio 15.59%; health rank #2,552 of 4,374; healthier than 39th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,552 of 4,374 health · 2025Q41st Ed Credit Union · health 81/100 · $138.8M · 2025Q4
- NW 81/100
- DELQ 15.6%
- ROA 0.00%
- ASSETS 0.23%
- MEM $138.8M
- RANK 7,046
- PHOTO #2,552/4,374
- BOOK West Virginia
- CHARTER 65412
Call Report peers
1st Ed Credit Union in the assets neighbourhood
1st Ed Credit Union's $138.8M assets sit next to West Virginia ($138.8M) 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 Ed Credit Union 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
81 39th percentile higher than 39% 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 Ed Credit Union - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #65412. See our deposit-insurance coverage note.
1st Ed Credit Union vs $100M–$500M peers
- Strongest edge vs 1069 $100M–$500M peers is Net Worth Ratio: +3.48 pp (15.59% vs 12.11%).
- Largest lag: Loan-to-Share Ratio at 36.92% vs peer 72.20% (-35.28 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
1st Ed Credit Union in Pennsylvania
- Pennsylvania health ordinal: #135 of 275.
- Assets rank #64 of 275 inside Pennsylvania ($138.8M reported).
- Membership ranks #90 of 275 among Pennsylvania CUs with a reported count (7,046 members).
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for 1st Ed Credit Union
1st Ed Credit Union: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.7% from $138.8M (2025Q4) to $139.8M (2026Q1).
- Net-worth ratio shifted +0.00 pp (15.59% → 15.59%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
15.59% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 81/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 10.9 pts
- Member Growth 6.0 pts
- Loan-to-Share Ratio 9.1 pts
1st Ed Credit Union vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.59% | +3.48 pp |
| Delinquency Rate | 0.00% | -0.89 pp |
| Return on Assets | 0.23% | -0.40 pp |
| Member Growth | -1.65% | - |
| Loan-to-Share Ratio | 36.92% | -35.28 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 Ed Credit Union quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $139.8M | - |
| 2025Q4 | $138.8M | 7,046 |
| 2024Q4 | $138.3M | 7,164 |
| 2023Q4 | $131.9M | 7,676 |
Credit Union Details
- Charter Number
- 65412
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Pennsylvania
- City
- Chambersburg
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, 1st Ed Credit Union runs 3 offices in 3 different cities.
| Office | City |
|---|---|
| FCTCU (Main Office) | Chambersburg, PA |
| Greencastle | Greencastle, PA |
| Hanover | Hanover, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
A look at other Pennsylvania credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for 1st Ed Credit Union
Cross-state asset and health neighbours for 1st Ed Credit Union - kept outside Pennsylvania; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($138.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
Using this data
- 1st Ed Credit Union ranks #2,552 of 4,374 nationally on financial health and #135 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- TENDTO is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with TENDTO
- Rates and health both vary by institution, not just by state -- see how Pennsylvania credit unions compare overall before assuming this one is typical. Pennsylvania 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 Ed Credit Union financially healthy?
Yes/no aside, the number is 81/100 (Excellent) - 1st Ed Credit Union's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,552 of 4,374; by total assets it ranks #1,552 of 4,374 nationally (same basis as /rankings/largest); and #64 of 275 within Pennsylvania. Above 80 reads excellent, below 50 warrants closer monitoring; a 15.59% net worth ratio and 0.00% delinquency rate are the key drivers.
How does 1st Ed Credit Union compare to other credit unions?
1st Ed Credit Union scores 81/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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 Ed Credit Union?
Membership eligibility for 1st Ed Credit Union depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact 1st Ed Credit Union directly for current membership requirements and application steps.
Is my money safe at 1st Ed Credit Union?
Federal credit unions like 1st Ed Credit Union 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 Ed Credit Union's net worth ratio of 15.59% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does 1st Ed Credit Union offer compared to banks?
Credit unions like 1st Ed Credit Union 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 Ed Credit Union 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.