Federal credit union · Lehigh Valley, Pennsylvania · NCUA charter #12765
First Commonwealth
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $1.45B
- Total assets
- 97,556
- Members
- 10.0%
- Net-worth ratio
First Commonwealth scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.45B; members 97,556; net-worth ratio 10.01%; health rank #2,317 of 4,374; healthier than 46th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,317 of 4,374 health · 2025Q4First Commonwealth · health 83/100 · $1.45B · 2025Q4
Call Report peers
First Commonwealth in the assets neighbourhood
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First Commonwealth vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); First Commonwealth sits in 80-84 with 767 others.
83 46th percentile higher than 46% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where First Commonwealth diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 86.87% here, 83.90% peer average (+2.97 pp).
- Largest lag: Net Worth Ratio at 10.01% vs peer 11.18% (-1.17 pp).
Pennsylvania standing for First Commonwealth
- Pennsylvania health ordinal: #115 of 275.
- By total assets, First Commonwealth is #12 of 275 in Pennsylvania.
- Pennsylvania membership ordinal: #10 of 275.
- One place up in Pennsylvania, U F C W Local 1776 (#114) ties at 83/100; one place down, Upper Darby Belltelco (#116) scores 82/100, 1 point lower.
First Commonwealth: 2025Q4 → 2026Q1
First Commonwealth: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.9% from $1.45B (2025Q4) to $1.48B (2026Q1).
- Net-worth ratio shifted +0.02 pp (9.99% → 10.01%).
At 10.01%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 83/100 score is built
First Commonwealth gives up 17 points in total. Return on Assets costs the most, 7.4 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 18.3 pts
- Return on Assets 7.6 pts
- Member Growth 12.5 pts
- Loan-to-Share Ratio 14.6 pts
First Commonwealth health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.01% | -1.17 pp |
| Delinquency Rate | 1.23% | +0.36 pp |
| Return on Assets | 0.07% | -0.44 pp |
| Member Growth | 2.88% | - |
| Loan-to-Share Ratio | 86.87% | +2.97 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.48B | - |
| 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
Branch Locations (17)
First Commonwealth operates 17 offices across 11 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Trexlertown Corporate Office (Main Office) | Allentown, PA |
| Fogelsville | Allentown, PA |
| Trexlertown | Allentown, PA |
| Downtown Allentown | Allentown, PA |
| Allentown Commons Financial Center | Allentown, PA |
| Crawford | Bethlehem, PA |
| Easton | Easton, PA |
| Northwood | Easton, PA |
| Easton Micro | Easton, PA |
| Emmaus | Emmaus, PA |
| Kutztown | Kutztown, PA |
| Lehighton Financial Center | Lehighton, PA |
| Phillipsburg | Phillipsburg, NJ |
| Sinking Spring | Sinking Spring, PA |
| Phoebe Berks | Wernersville, PA |
| Whitehall | Whitehall, PA |
| Wyomissing | Wyomissing, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
Other federally-insured credit unions in Pennsylvania, closest first by peer group and asset size.
Other-state peers near First Commonwealth
Similar total assets
Similar health score
Using this data
- First Commonwealth ranks #2,317 of 4,374 nationally on financial health and #115 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- FREEDOM is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with FREEDOM
Frequently Asked Questions
Is First Commonwealth financially healthy?
On its 2025Q4 NCUA 5300 filing, First Commonwealth scores 83/100 (Excellent), with a 10.01% net worth ratio and 1.23% of loans delinquent. It ranks #2,317 of 4,374 nationally on health and #115 of 275 in Pennsylvania.
How does First Commonwealth compare to other credit unions?
First Commonwealth scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (86.87% vs 83.90%). Its widest shortfall is net worth ratio (10.01% vs 11.18%).
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?
First Commonwealth is a federal 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 Commonwealth's net worth ratio of 10.01% 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.