Federal credit union · MUNCIE, Indiana · NCUA charter #14163
First County
Health score 76/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $33.2M
- Total assets
- 3,248
- Members
- 10.2%
- Net-worth ratio
First County scores 76/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $33.2M; members 3,248; net-worth ratio 10.22%; health rank #3,196 of 4,374; healthier than 26th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,196 of 4,374 health · 2025Q4First County · health 76/100 · $33.2M · 2025Q4
- ASSETS 76/100
- MEM 10.2%
- RANK 0.97%
- PHOTO 0.61%
- BOOK $33.2M
- CHARTER 3,248
- NCUSIF #3,196/4,374
- CAMELS ALHAMBRA
- HEALTH 14163
Call Report peers
First County in the assets neighbourhood
First County's $33.2M assets sit next to ALHAMBRA ($33.2M) 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 County 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
76 26th percentile higher than 26% 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 County - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #14163. See our deposit-insurance coverage note.
Peer-gap read for First County
- Strongest edge vs 1163 $10M–$50M peers is Delinquency Rate: -0.18 pp (0.97% vs 1.15%).
- Largest lag: Loan-to-Share Ratio at 51.28% vs peer 59.80% (-8.52 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where First County sits in Indiana
- In Indiana, health place is #90 of 124 on the same NCUA-ratio sort used nationally.
- By total assets, First County is #84 of 124 in Indiana.
- Membership ranks #80 of 124 among Indiana CUs with a reported count (3,248 members).
In-state ordinals use the live credit_unions table for IN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How First County's 5300 filing moved
First County: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.7% from $33.2M (2025Q4) to $34.4M (2026Q1).
- Net-worth ratio shifted -0.22 pp (10.44% → 10.22%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 10.22% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 76/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 76.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.3 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 10.7 pts
First County health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.22% | -4.64 pp |
| Delinquency Rate | 0.97% | -0.18 pp |
| Return on Assets | 0.61% | -0.10 pp |
| Member Growth | -5.86% | - |
| Loan-to-Share Ratio | 51.28% | -8.52 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
First County filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $34.4M | - |
| 2025Q4 | $33.2M | 3,248 |
| 2024Q4 | $32.0M | 3,450 |
| 2023Q4 | $31.2M | 3,667 |
Credit Union Details
- Charter Number
- 14163
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Indiana
- City
- MUNCIE
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, First County runs 2 offices.
| Office | City |
|---|---|
| Main Office-1100 W 11th St (Main Office) | Muncie, IN |
| Elm Street Branch | Muncie, IN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Indiana
A look at other Indiana credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for First County, both outside Indiana so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($33.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (76/100 here).
Using this data
- First County ranks #3,196 of 4,374 nationally on financial health and #90 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Evansville Firefighters is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Evansville Firefighters
- Rates and health both vary by institution, not just by state -- see how Indiana credit unions compare overall before assuming this one is typical. Indiana 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 County financially healthy?
A 10.22% net worth ratio and a 0.97% delinquency rate feed into First County's financial health score of 76/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,196 of 4,374; by total assets it ranks #2,774 of 4,374 nationally (same basis as /rankings/largest); and #84 of 124 within Indiana. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does First County compare to other credit unions?
First County scores 76/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 County?
First County 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 County directly for the exact boundaries and application steps.
Is my money safe at First County?
Federal credit unions like First County 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 County's net worth ratio of 10.22% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does First County offer compared to banks?
Credit unions like First County 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 County 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.