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
- ASSETS 81/100
- MEM 9.7%
- RANK 0.24%
- PHOTO 0.88%
- BOOK $37.3M
- CHARTER 3,567
- NCUSIF #2,639/4,374
- CAMELS THEORY
- HEALTH 3012
Call Report peers
City of Firsts Community in the assets neighbourhood
City of Firsts Community's $37.3M assets sit next to THEORY ($37.3M) 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.
City of Firsts 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
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
City of Firsts Community - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #3012. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for IN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
City of Firsts Community Call Report trajectory
City of Firsts Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +7.4% from $37.3M (2025Q4) to $40.1M (2026Q1).
- Net-worth ratio shifted -0.73 pp (10.45% → 9.72%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Two NCUA Call Report peer sets for City of Firsts Community, both outside Indiana so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($37.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Indiana credit unions compare overall before assuming this one is typical. Indiana 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 City of Firsts Community financially healthy?
A 9.72% net worth ratio and a 0.24% delinquency rate feed into City of Firsts Community's financial health score of 81/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,639 of 4,374; by total assets it ranks #2,670 of 4,374 nationally (same basis as /rankings/largest); and #80 of 124 within Indiana. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does City of Firsts Community compare to other credit unions?
Five weighted metrics from NCUA filings produce City of Firsts Community's 81/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 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?
Federal credit unions like City of Firsts 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. City of Firsts Community's net worth ratio of 9.72% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does City of Firsts Community offer compared to banks?
Credit unions like City of Firsts 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 City of Firsts 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.