Federal credit union · York, Pennsylvania · NCUA charter #24490
First Capital
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $368.9M
- Total assets
- 21,289
- Members
- 11.8%
- Net-worth ratio
First Capital scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $368.9M; members 21,289; net-worth ratio 11.81%; health rank #510 of 4,374; healthier than 87th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#510 of 4,374 health · 2025Q4First Capital · health 94/100 · $368.9M · 2025Q4
- MEM 94/100
- RANK 11.8%
- PHOTO 0.23%
- BOOK 1.29%
- CHARTER $368.9M
- NCUSIF 21,289
- CAMELS #510/4,374
- HEALTH Beacon Credit Union, Incorporated
- NW 24490
Call Report peers
First Capital in the assets neighbourhood
First Capital's $368.9M assets sit next to Beacon Credit Union, Incorporated ($369.6M) 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 Capital 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
94 Top 13% higher than 87% 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 Capital - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #24490: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Peer-gap read for First Capital
- Delinquency Rate leads the peer set - 0.23% here, 0.89% peer average (-0.67 pp).
- Largest lag: Loan-to-Share Ratio at 60.75% vs peer 72.20% (-11.45 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
First Capital: in-state Call Report ranks
- Health composite ranks #25 of 275 among scored Pennsylvania credit unions.
- Assets rank #29 of 275 inside Pennsylvania ($368.9M reported).
- Membership ranks #31 of 275 among Pennsylvania CUs with a reported count (21,289 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.
First Capital: 2025Q4 → 2026Q1
First Capital: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.5% from $368.9M (2025Q4) to $370.7M (2026Q1).
- Net-worth ratio shifted +0.04 pp (11.77% → 11.81%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
11.81% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 94/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 94.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 11.2 pts
- Loan-to-Share Ratio 12.8 pts
Call Report ratios for First Capital
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.81% | -0.30 pp |
| Delinquency Rate | 0.23% | -0.67 pp |
| Return on Assets | 1.29% | +0.66 pp |
| Member Growth | 1.85% | - |
| Loan-to-Share Ratio | 60.75% | -11.45 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $370.7M | - |
| 2025Q4 | $368.9M | 21,289 |
| 2024Q4 | $324.0M | 20,902 |
| 2023Q4 | $302.4M | 20,644 |
Credit Union Details
- Charter Number
- 24490
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Pennsylvania
- City
- York
- Data Quarter
- 2025Q4
Branch Locations (6)
The NCUA branch filing lists 6 physical offices for First Capital, spread across 3 cities.
| Office | City |
|---|---|
| Main Office (Main Office) | York, PA |
| Eagles Nest | Dover, PA |
| Manchester Branch | Manchester, PA |
| South York | York, PA |
| East York-Eastern Blvd | York, PA |
| Bulldog Branch | York, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
More federally-insured credit unions based in Pennsylvania, ordered by peer group match and asset size.
Cross-state Call Report peers for First Capital
Cross-state asset and health neighbours for First Capital - kept outside Pennsylvania; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($368.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (94/100 here).
Using this data
- First Capital ranks #510 of 4,374 nationally on financial health and #25 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- WEST-AIRCOMM is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with WEST-AIRCOMM
- 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 First Capital financially healthy?
A 11.81% net worth ratio and a 0.23% delinquency rate feed into First Capital's financial health score of 94/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #510 of 4,374; by total assets it ranks #912 of 4,374 nationally (same basis as /rankings/largest); and #29 of 275 within Pennsylvania. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does First Capital compare to other credit unions?
On PlainCU's health composite, First Capital lands at 94/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 First Capital?
First Capital 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 First Capital directly for the exact boundaries and application steps.
Is my money safe at First Capital?
Federal credit unions like First Capital 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 Capital's net worth ratio of 11.81% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does First Capital offer compared to banks?
Credit unions like First Capital 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 Capital 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.