State credit union · Pasadena, California · NCUA charter #68503
First City
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $937.4M
- Total assets
- 57,404
- Members
- 13.4%
- Net-worth ratio
First City scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $937.4M; members 57,404; net-worth ratio 13.35%; health rank #617 of 4,374; healthier than 84th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#617 of 4,374 health · 2025Q4First City · health 93/100 · $937.4M · 2025Q4
- ROA 93/100
- ASSETS 13.4%
- MEM 0.42%
- RANK 0.45%
- PHOTO $937.4M
- BOOK 57,404
- CHARTER #617/4,374
- NCUSIF True Community
- CAMELS 68503
Call Report peers
First City in the assets neighbourhood
First City's $937.4M assets sit next to True Community ($932.7M) 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 City 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
93 Top 16% higher than 84% 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 City - Share Insurance Coverage
Charter #68503'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 City
- Net Worth Ratio leads the peer set - 13.35% here, 11.18% peer average (+2.17 pp).
- Largest lag: Loan-to-Share Ratio at 55.28% vs peer 83.90% (-28.62 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
First City: in-state Call Report ranks
- California health ordinal: #40 of 243.
- Assets rank #68 of 243 inside California ($937.4M reported).
- Member book place in California: #59 of 243.
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for First City
First City: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.6% from $937.4M (2025Q4) to $952.4M (2026Q1).
- Net-worth ratio shifted -0.11 pp (13.46% → 13.35%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 13.35% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 93/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 14.2 pts
- Member Growth 12.1 pts
- Loan-to-Share Ratio 11.7 pts
First City health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.35% | +2.17 pp |
| Delinquency Rate | 0.42% | -0.45 pp |
| Return on Assets | 0.45% | -0.06 pp |
| Member Growth | 2.57% | - |
| Loan-to-Share Ratio | 55.28% | -28.62 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).
First City quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $952.4M | - |
| 2025Q4 | $937.4M | 57,404 |
| 2024Q4 | $888.4M | 55,967 |
| 2023Q4 | $906.6M | 55,886 |
Credit Union Details
- Charter Number
- 68503
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- California
- City
- Pasadena
- Data Quarter
- 2025Q4
Branch Locations (7)
Per its most recent NCUA branch filing, First City runs 7 offices in 7 different cities.
| Office | City |
|---|---|
| Altadena (Main Office) | Altadena, CA |
| Claremont Branch | Claremont, CA |
| Lakewood Branch | Lakewood, CA |
| Los Angeles | Los Angeles, CA |
| Antelope Valley | Palmdale, CA |
| Pasadena | Pasadena, CA |
| West Covina Branch | West Covina, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
A look at other California credit unions, ranked by how closely their peer group and asset size match this one.
First City nationwide neighbourhoods
Two NCUA Call Report peer sets for First City, both outside California 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 ($937.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
Using this data
- First City ranks #617 of 4,374 nationally on financial health and #40 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Community First is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Community First
- Rates and health both vary by institution, not just by state -- see how California credit unions compare overall before assuming this one is typical. California 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 City financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, First City carries a financial health score of 93/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #617 of 4,374; by total assets it ranks #490 of 4,374 nationally (same basis as /rankings/largest); and #68 of 243 within California. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 13.35% net worth ratio and a 0.42% delinquency rate.
How does First City compare to other credit unions?
On PlainCU's health composite, First City lands at 93/100, compared to a peer group average for Over $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 City?
Membership eligibility for First City depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact First City directly for current membership requirements and application steps.
Is my money safe at First City?
Federal credit unions like First City 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 City's net worth ratio of 13.35% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does First City offer compared to banks?
Credit unions like First City 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 City 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.