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.
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NCUA 5300 Call Report Masthead
#617 of 4,374 health · 2025Q4First City · health 93/100 · $937.4M · 2025Q4
Call Report peers
First City in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); First City sits in 90-94 with 747 others.
93 Top 16% higher than 84% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in California, CHEVRON (#39) scores 94/100, 1 point higher; one place down, Christian Community (#41) ties at 93/100.
Quarter path for First City
First City: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.6% from $937.4M (2025Q4) to $952.4M (2026Q1).
- Net-worth ratio shifted -0.11 pp (13.46% → 13.35%).
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
First City gives up 7 points in total. Loan-to-Share Ratio costs the most, 3.3 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is First City financially healthy?
On its 2025Q4 NCUA 5300 filing, First City scores 93/100 (Excellent), with a 13.35% net worth ratio and 0.42% of loans delinquent. It ranks #617 of 4,374 nationally on health and #40 of 243 in California.
How does First City compare to other credit unions?
First City scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (13.35% vs 11.18%). Its widest shortfall is loan-to-share ratio (55.28% vs 83.90%).
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?
First City 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 City's net worth ratio of 13.35% 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.