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
- MEM 83/100
- RANK 10.0%
- PHOTO 1.23%
- BOOK 0.07%
- CHARTER $1.45B
- NCUSIF 97,556
- CAMELS #2,317/4,374
- HEALTH Community Credit Union of Florida
- NW 12765
Call Report peers
First Commonwealth in the assets neighbourhood
First Commonwealth's $1.45B assets sit next to Community Credit Union of Florida ($1.46B) 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 Commonwealth 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
83 46th percentile higher than 46% 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 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.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
First Commonwealth: 2025Q4 → 2026Q1
First Commonwealth: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.9% from $1.45B (2025Q4) to $1.48B (2026Q1).
- Net-worth ratio shifted +0.02 pp (9.99% → 10.01%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- 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 |
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).
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
First Commonwealth's nationwide photo peers by assets and by health score, excluding Pennsylvania charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.45B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Pennsylvania credit unions compare overall before assuming this one is typical. Pennsylvania 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 Commonwealth financially healthy?
First Commonwealth has a financial health score of 83/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,317 of 4,374; by total assets it ranks #335 of 4,374 nationally (same basis as /rankings/largest); and #12 of 275 within Pennsylvania. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 10.01% and delinquency rate of 1.23%.
How does First Commonwealth compare to other credit unions?
On PlainCU's health composite, First Commonwealth lands at 83/100, 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 10.01% 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.
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.