State credit union · West St Paul, Minnesota · NCUA charter #64089
First Pace
Health score 74/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $9.0M
- Total assets
- 904
- Members
- 16.1%
- Net-worth ratio
First Pace - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #64089. See our deposit-insurance coverage note.
First Pace - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)0
- Member growth24
- Liquidity (loan-to-share)100
Weighted composite: 74/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 16.11%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 16.11% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | -0.60% | 15% |
| Member Growth | -3.00% | 15% |
| Loan-to-Share Ratio | 78.07% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $9.0M | 904 |
| 2024Q4 | $9.2M | 932 |
| 2023Q4 | $9.5M | 967 |
Credit Union Details
- Charter Number
- 64089
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Minnesota
- City
- West St Paul
- Data Quarter
- 2025Q4
What This Data Says About First Pace
The five-factor composite scores First Pace at 74/100 (Very Good), reflecting a net worth ratio of 16.11% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in West St Paul, Minnesota, reports 904 members, $9.0M in total assets, and $5.7M in outstanding loans as of Q4 2025 under charter #64089 (peer group $2M–$10M, a cohort of 566 similarly-sized institutions).
Loan book quality rounds out the picture. The delinquency rate of 0.00% measures loans 60+ days past due against total loans outstanding - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. The loan-to-share ratio of 78.07% indicates how aggressively member deposits are being deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at -0.60% on net income of $-54148 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -3.00%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Minnesota
More federally-insured credit unions based in Minnesota, ordered by peer group match and asset size.
- ALEXANDRIA SCHOOLS EMPLOYEESAlexandria, MN · $2M–$10M89Health
- ELECTRIC MACHINERY EMPLOYEESMINNEAPOLIS, MN · $2M–$10M63Health
- DULUTH POLICE DEPARTMENT EMPLOYEESDULUTH, MN · $2M–$10M91Health
- RIVERVIEWSOUTH SAINT PAU, MN · $2M–$10M77Health
- DULUTH FIRE DEPARTMENTDULUTH, MN · $2M–$10M93Health
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is First Pace financially healthy?
First Pace scores 74/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 16.11% net worth ratio and a 0.00% delinquency rate.
How does First Pace compare to other credit unions?
First Pace scores 74/100 on PlainCU's health composite, compared to a peer group average for $2M–$10M 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 Pace?
Membership eligibility for First Pace depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact First Pace directly for current membership requirements and application steps.
Is my money safe at First Pace?
Federal credit unions like First Pace 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 Pace's net worth ratio of 16.11% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does First Pace offer compared to banks?
Credit unions like First Pace 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 Pace directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.