State credit union · Chandler, Arizona · NCUA charter #68444
FIRST
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $786.7M
- Total assets
- 44,210
- Members
- 9.5%
- Net-worth ratio
FIRST scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $786.7M; members 44,210; net-worth ratio 9.51%; health rank #848 of 4,374; healthier than 80th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#848 of 4,374 health · 2025Q4FIRST · health 92/100 · $786.7M · 2025Q4
- NCUSIF 92/100
- CAMELS 9.5%
- HEALTH 0.60%
- NW 0.97%
- DELQ $786.7M
- ROA 44,210
- ASSETS #848/4,374
- MEM Bayer Heritage
- RANK 68444
Call Report peers
FIRST in the assets neighbourhood
FIRST's $786.7M assets sit next to Bayer Heritage ($786.2M) 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.
FIRST 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
92 Top 20% higher than 80% 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
FIRST - Share Insurance Coverage
Charter #68444'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.
Peer-gap read for FIRST
- Strongest edge vs 749 Over $500M peers is Return on Assets: +0.47 pp (0.97% vs 0.51%).
- Largest lag: Loan-to-Share Ratio at 70.51% vs peer 83.90% (-13.39 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Arizona standing for FIRST
- Arizona health ordinal: #12 of 33.
- Assets rank #10 of 33 inside Arizona ($786.7M reported).
- Arizona membership ordinal: #11 of 33.
In-state ordinals use the live credit_unions table for AZ only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for FIRST
FIRST: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.1% from $786.7M (2025Q4) to $785.8M (2026Q1).
- Net-worth ratio shifted -0.03 pp (9.54% → 9.51%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.51%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 92/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- Net Worth Ratio 28.8 pts
- Delinquency Rate 24.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.5 pts
- Loan-to-Share Ratio 14.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.51% | -1.67 pp |
| Delinquency Rate | 0.60% | -0.28 pp |
| Return on Assets | 0.97% | +0.47 pp |
| Member Growth | 0.38% | - |
| Loan-to-Share Ratio | 70.51% | -13.39 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Call Report history - FIRST
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $785.8M | - |
| 2025Q4 | $786.7M | 44,210 |
| 2024Q4 | $735.1M | 44,042 |
| 2023Q4 | $705.6M | 45,013 |
Credit Union Details
- Charter Number
- 68444
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Arizona
- City
- Chandler
- Data Quarter
- 2025Q4
Branch Locations (9)
FIRST operates 9 offices across 6 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Chandler Corporate Plaza (Main Office) | Chandler, AZ |
| Chandler | Chandler, AZ |
| Ocotillo | Chandler, AZ |
| Chandler Corporate Branch | Chandler, AZ |
| Glendale | Glendale, AZ |
| Litchfield | Goodyear, AZ |
| Phoenix | Phoenix, AZ |
| Tempe | Tempe, AZ |
| Tucson | Tucson, AZ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Arizona
A look at other Arizona credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for FIRST
Cross-state asset and health neighbours for FIRST - kept outside Arizona; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($786.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
Using this data
- FIRST ranks #848 of 4,374 nationally on financial health and #12 of 33 in AZ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Arizona Central is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Arizona Central
- Rates and health both vary by institution, not just by state -- see how Arizona credit unions compare overall before assuming this one is typical. Arizona 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 FIRST financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, FIRST carries a financial health score of 92/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #848 of 4,374; by total assets it ranks #560 of 4,374 nationally (same basis as /rankings/largest); and #10 of 33 within Arizona. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.51% net worth ratio and a 0.60% delinquency rate.
How does FIRST compare to other credit unions?
Five weighted metrics from NCUA filings produce FIRST's 92/100 score on PlainCU's health composite, compared to a peer group average for Over $500M 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 FIRST?
Membership eligibility for FIRST depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact FIRST directly for current membership requirements and application steps.
Is my money safe at FIRST?
Federal credit unions like FIRST 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. FIRST's net worth ratio of 9.51% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does FIRST offer compared to banks?
Credit unions like FIRST 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 FIRST 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.