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.
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NCUA 5300 Call Report Masthead
#1,359 of 4,374 health · 2025Q4First Community · health 89/100 · $2.98B · 2025Q4
Call Report peers
First Community in the assets neighbourhood
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First Community vs every NCUA-scored credit union
First Community sits in the busiest band, 85-89, alongside 857 other credit unions.
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
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).
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).
- One place up in Texas, Texas Bridge (#129) ties at 89/100; one place down, S.T.E.C. (#131) scores 88/100, 1 point lower.
First Community Call Report trajectory
First Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.7% from $2.98B (2025Q4) to $2.96B (2026Q1).
- Net-worth ratio shifted +0.28 pp (7.81% → 8.09%).
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
First Community gives up 11 points in total. Loan-to-Share Ratio costs the most, 5.1 of its 15; Delinquency Rate and Member Growth score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is First Community financially healthy?
First Community has a financial health score of 89/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,359 of 4,374 nationally on health and #130 of 386 in Texas. Its net worth ratio is 8.09% and its delinquency rate 0.48%.
How does First Community compare to other credit unions?
First Community scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (101.56% vs 83.90%). Its widest shortfall is net worth ratio (8.09% vs 11.18%).
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?
First Community 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 Community's net worth ratio of 8.09% 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.