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
Call Report peers
FIRST in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); FIRST sits in 90-94 with 747 others.
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
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).
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.
- One place up in Arizona, Pinal County (#11) ties at 92/100; one place down, COCHISE (#13) scores 91/100, 1 point lower.
Quarter path for FIRST
FIRST: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.1% from $786.7M (2025Q4) to $785.8M (2026Q1).
- Net-worth ratio shifted -0.03 pp (9.54% → 9.51%).
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
FIRST gives up 8 points in total. Member Growth costs the most, 5.5 of its 15; Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is FIRST financially healthy?
FIRST has a financial health score of 92/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #848 of 4,374 nationally on health and #12 of 33 in Arizona. Its net worth ratio is 9.51% and its delinquency rate 0.60%.
How does FIRST compare to other credit unions?
FIRST scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is return on assets (0.97% vs 0.51%). Its widest shortfall is loan-to-share ratio (70.51% vs 83.90%).
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?
FIRST is a state-chartered 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. FIRST's net worth ratio of 9.51% 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.