Federal credit union · Roanoke, Virginia · NCUA charter #22322
First Care
Health score 65/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 65
- Health / 100
- $5.7M
- Total assets
- 1,207
- Members
- 14.1%
- Net-worth ratio
First Care scores 65/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.7M; members 1,207; net-worth ratio 14.12%; health rank #3,865 of 4,374; healthier than 11th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,865 of 4,374 health · 2025Q4First Care · health 65/100 · $5.7M · 2025Q4
- CHARTER 65/100
- NCUSIF 14.1%
- CAMELS 2.99%
- HEALTH 0.36%
- NW $5.7M
- DELQ 1,207
- ROA #3,865/4,374
- ASSETS n/a
- MEM 22322
Call Report peers
First Care carries $5.7M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
First Care 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
65 11th percentile higher than 11% 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 Care - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #22322, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
First Care vs $2M–$10M peers
- Net Worth Ratio trails the peer set - 14.12% here, 19.06% peer average (-4.94 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
First Care: in-state Call Report ranks
- In Virginia, health place is #83 of 95 on the same NCUA-ratio sort used nationally.
- Virginia assets place: #81 of 95.
- Virginia membership ordinal: #77 of 95.
In-state ordinals use the live credit_unions table for VA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
First Care Call Report trajectory
First Care: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.0% from $5.7M (2025Q4) to $5.8M (2026Q1).
- Net-worth ratio shifted -1.57 pp (15.69% → 14.12%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
14.12% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 65/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 65.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 6.3 pts
- Return on Assets 12.9 pts
- Member Growth 3.1 pts
- Loan-to-Share Ratio 12.7 pts
Call Report ratios for First Care
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.12% | -4.94 pp |
| Delinquency Rate | 2.99% | +1.18 pp |
| Return on Assets | 0.36% | -0.09 pp |
| Member Growth | -3.29% | - |
| Loan-to-Share Ratio | 59.91% | -3.69 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.8M | - |
| 2025Q4 | $5.7M | 1,207 |
| 2024Q4 | $6.1M | 1,248 |
| 2023Q4 | $6.1M | 1,257 |
Credit Union Details
- Charter Number
- 22322
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Virginia
- City
- Roanoke
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, First Care runs one office.
| Office | City |
|---|---|
| 109 Highland Ave SW (Main Office) | Roanoke, VA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Virginia
More federally-insured credit unions based in Virginia, ordered by peer group match and asset size.
Cross-state Call Report peers for First Care
First Care's nationwide photo peers by assets and by health score, excluding Virginia charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (65/100 here).
Using this data
- First Care ranks #3,865 of 4,374 nationally on financial health and #83 of 95 in VA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Poly Scientific Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Poly Scientific Employees
- Rates and health both vary by institution, not just by state -- see how Virginia credit unions compare overall before assuming this one is typical. Virginia 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 Care financially healthy?
A 14.12% net worth ratio and a 2.99% delinquency rate feed into First Care's financial health score of 65/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,865 of 4,374; by total assets it ranks #3,818 of 4,374 nationally (same basis as /rankings/largest); and #81 of 95 within Virginia. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does First Care compare to other credit unions?
PlainCU's health composite puts First Care at 65/100, compared to a peer group average for $2M–$10M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Care?
First Care 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 Care directly for the exact boundaries and application steps.
Is my money safe at First Care?
Federal credit unions like First Care 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 Care's net worth ratio of 14.12% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does First Care offer compared to banks?
Credit unions like First Care 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 Care 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.