Federal credit union · Kokomo, Indiana · NCUA charter #3012
City of Firsts Community
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $37.3M
- Total assets
- 3,567
- Members
- 9.7%
- Net-worth ratio
City of Firsts Community scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $37.3M; members 3,567; net-worth ratio 9.72%; health rank #2,639 of 4,374; healthier than 39th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,639 of 4,374 health · 2025Q4City of Firsts Community · health 81/100 · $37.3M · 2025Q4
Call Report peers
City of Firsts Community in the assets neighbourhood
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City of Firsts Community vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); City of Firsts Community sits in 80-84 with 767 others.
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for City of Firsts Community
- Delinquency Rate leads the peer set - 0.24% here, 1.15% peer average (-0.91 pp).
- Largest lag: Loan-to-Share Ratio at 32.62% vs peer 59.80% (-27.18 pp).
Indiana standing for City of Firsts Community
- Indiana health ordinal: #75 of 124.
- Indiana assets place: #80 of 124.
- Membership ranks #71 of 124 among Indiana CUs with a reported count (3,567 members).
- One place up in Indiana, Financial Partners (#74) ties at 81/100; one place down, EVANSVILLE (#76) scores 80/100, 1 point lower.
City of Firsts Community Call Report trajectory
City of Firsts Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +7.4% from $37.3M (2025Q4) to $40.1M (2026Q1).
- Net-worth ratio shifted -0.73 pp (10.45% → 9.72%).
At 9.72%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 81/100 score is built
City of Firsts Community gives up 19 points in total. Member Growth costs the most, 11.9 of its 15; Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 29.3 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 3.1 pts
- Loan-to-Share Ratio 8.6 pts
City of Firsts Community health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.72% | -5.14 pp |
| Delinquency Rate | 0.24% | -0.91 pp |
| Return on Assets | 0.88% | +0.18 pp |
| Member Growth | -3.25% | - |
| Loan-to-Share Ratio | 32.62% | -27.18 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
City of Firsts Community quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $40.1M | - |
| 2025Q4 | $37.3M | 3,567 |
| 2024Q4 | $35.6M | 3,687 |
| 2023Q4 | $45.7M | 3,857 |
Credit Union Details
- Charter Number
- 3012
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Indiana
- City
- Kokomo
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for City of Firsts Community.
| Office | City |
|---|---|
| Main Office (Main Office) | Kokomo, IN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Indiana
Other federally-insured credit unions in Indiana, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Similar total assets
Using this data
- City of Firsts Community ranks #2,639 of 4,374 nationally on financial health and #75 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Community Link is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Community Link
Frequently Asked Questions
Is City of Firsts Community financially healthy?
City of Firsts Community has a financial health score of 81/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,639 of 4,374 nationally on health and #75 of 124 in Indiana. Its net worth ratio is 9.72% and its delinquency rate 0.24%.
How does City of Firsts Community compare to other credit unions?
City of Firsts Community scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.24% vs 1.15%). Its widest shortfall is loan-to-share ratio (32.62% vs 59.80%).
How can I join City of Firsts Community?
City of Firsts 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 City of Firsts Community directly for the exact boundaries and application steps.
Is my money safe at City of Firsts Community?
City of Firsts 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. City of Firsts Community's net worth ratio of 9.72% 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.