State credit union · Houston, Texas · NCUA charter #66818
First Community
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $2.98B
- Total assets
- 182,310
- Members
- 8.1%
- Net-worth ratio
First Community scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.98B; members 182,310; net-worth ratio 8.09%; health rank #1,359 of 4,374; healthier than 69th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,359 of 4,374 health · 2025Q4First Community · health 89/100 · $2.98B · 2025Q4
- ROA 89/100
- ASSETS 8.1%
- MEM 0.48%
- RANK 0.40%
- PHOTO $2.98B
- BOOK 182,310
- CHARTER #1,359/4,374
- NCUSIF F & a
- CAMELS 66818
Call Report peers
First Community in the assets neighbourhood
First Community's $2.98B assets sit next to F & a ($2.97B) 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 Community 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
89 Top 31% higher than 69% 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 Community - Share Insurance Coverage
Charter #66818'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.
Where First Community diverges from peer averages
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +17.66 pp (101.56% vs 83.90%).
- Largest lag: Net Worth Ratio at 8.09% vs peer 11.18% (-3.09 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Texas standing for First Community
- Texas health ordinal: #130 of 386.
- Texas assets place: #11 of 386.
- Membership ranks #12 of 386 among Texas CUs with a reported count (182,310 members).
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
First Community Call Report trajectory
First Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.7% from $2.98B (2025Q4) to $2.96B (2026Q1).
- Net-worth ratio shifted +0.28 pp (7.81% → 8.09%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 8.09% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 89/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- Net Worth Ratio 25.2 pts
- Delinquency Rate 25.0 pts
- Return on Assets 13.5 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 10.3 pts
First Community health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.09% | -3.09 pp |
| Delinquency Rate | 0.48% | -0.40 pp |
| Return on Assets | 0.40% | -0.11 pp |
| Member Growth | 7.70% | - |
| Loan-to-Share Ratio | 101.56% | +17.66 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 Community quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.96B | - |
| 2025Q4 | $2.98B | 182,310 |
| 2024Q4 | $2.56B | 169,280 |
| 2023Q4 | $2.51B | 158,593 |
Credit Union Details
- Charter Number
- 66818
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Texas
- City
- Houston
- Data Quarter
- 2025Q4
Branch Locations (15)
Per its most recent NCUA branch filing, First Community runs 15 offices in 9 different cities.
| Office | City |
|---|---|
| Administration (Main Office) | Houston, TX |
| Fairfield | Cypress, TX |
| Copperfield | Houston, TX |
| Spring Branch | Houston, TX |
| Fairbanks | Houston, TX |
| Alief Temporary | Houston, TX |
| Cinco Ranch | Katy, TX |
| Morton Ranch | Katy, TX |
| Research Forest | Magnolia, TX |
| Sienna | Missouri City, TX |
| Aliana | Richmond, TX |
| Westpark | Richmond, TX |
| 99 North | Spring, TX |
| Sugar Land | Sugar Land, TX |
| Tomball | Tomball, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
First Community nationwide neighbourhoods
First Community's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($2.98B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
Using this data
- First Community ranks #1,359 of 4,374 nationally on financial health and #130 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Credit Union of Texas is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Credit Union of Texas
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas 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 Community financially healthy?
First Community scores 89/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,359 of 4,374; by total assets it ranks #167 of 4,374 nationally (same basis as /rankings/largest); and #11 of 386 within Texas. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 8.09% net worth ratio and a 0.48% delinquency rate.
How does First Community compare to other credit unions?
89/100 is First Community's score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Community?
Membership eligibility for First Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact First Community directly for current membership requirements and application steps.
Is my money safe at First Community?
Federal credit unions like First Community 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 Community's net worth ratio of 8.09% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does First Community offer compared to banks?
Credit unions like First Community 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 Community 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.