Federal credit union · Lehigh Valley, Pennsylvania · NCUA charter #12765
First Commonwealth
Health score 80/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $1.45B
- Total assets
- 97,556
- Members
- 8.6%
- Net-worth ratio
First Commonwealth - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #12765 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
First Commonwealth - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)89
- Asset quality (delinquency)73
- Earnings (ROA)51
- Member growth83
- Liquidity (loan-to-share)100
Weighted composite: 80/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 8.63%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.63% | 30% |
| Delinquency Rate | 1.23% | 25% |
| Return on Assets | 0.07% | 15% |
| Member Growth | 2.88% | 15% |
| Loan-to-Share Ratio | 86.87% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $1.45B | 97,556 |
| 2024Q4 | $1.35B | 94,822 |
| 2023Q4 | $1.20B | 81,034 |
Credit Union Details
- Charter Number
- 12765
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Pennsylvania
- City
- Lehigh Valley
- Data Quarter
- 2025Q4
What This Data Says About First Commonwealth
Charter #12765, peer group Over $500M, a cohort of 749 similarly-sized institutions: that's First Commonwealth, a federal credit union in Lehigh Valley, Pennsylvania with 97,556 members, $1.45B in total assets, and $1.13B in outstanding loans as of Q4 2025. The five-factor composite scores it 80/100 (Excellent), helped by a net worth ratio of 8.63% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Two more numbers round out the picture: a 1.23% delinquency rate (loans 60+ days past due against the total book) - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers - and a 86.87% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.07% on net income of $998K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 2.88%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Pennsylvania
Other federally-insured credit unions in Pennsylvania, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is First Commonwealth financially healthy?
First Commonwealth has a financial health score of 80/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 8.63% and delinquency rate of 1.23%.
How does First Commonwealth compare to other credit unions?
On PlainCU's health composite, First Commonwealth lands at 80/100, 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 Commonwealth?
First Commonwealth 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 Commonwealth directly for the exact boundaries and application steps.
Is my money safe at First Commonwealth?
Federal credit unions like First Commonwealth 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 Commonwealth's net worth ratio of 8.63% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does First Commonwealth offer compared to banks?
Credit unions like First Commonwealth 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 Commonwealth directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.