State credit union · West St Paul, Minnesota · NCUA charter #64089
First Pace
Health score 74/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $9.0M
- Total assets
- 904
- Members
- 18.8%
- Net-worth ratio
First Pace scores 74/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $9.0M; members 904; net-worth ratio 18.79%; health rank #3,321 of 4,374; healthier than 23rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,321 of 4,374 health · 2025Q4First Pace · health 74/100 · $9.0M · 2025Q4
- HEALTH 74/100
- NW 18.8%
- DELQ 0.00%
- ROA -0.60%
- ASSETS $9.0M
- MEM 904
- RANK #3,321/4,374
- PHOTO n/a
- BOOK 64089
Call Report peers
First Pace carries $9.0M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
First Pace 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
74 23rd percentile higher than 23% 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 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.
Peer-gap read for First Pace
- Loan-to-Share Ratio leads the peer set - 78.07% here, 63.60% peer average (+14.47 pp).
- Return on Assets trails the peer set - -0.60% here, 0.45% peer average (-1.05 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Minnesota standing for First Pace
- In Minnesota, health place is #74 of 82 on the same NCUA-ratio sort used nationally.
- Minnesota assets place: #69 of 82.
- Membership ranks #69 of 82 among Minnesota CUs with a reported count (904 members).
In-state ordinals use the live credit_unions table for MN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How First Pace's 5300 filing moved
First Pace: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.8% from $9.0M (2025Q4) to $8.8M (2026Q1).
- Net-worth ratio shifted +0.17 pp (18.62% → 18.79%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 18.79%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 74/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 74.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 0.0 pts
- Member Growth 3.6 pts
- Loan-to-Share Ratio 15.4 pts
Call Report ratios for First Pace
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.79% | -0.27 pp |
| Delinquency Rate | 0.00% | -1.81 pp |
| Return on Assets | -0.60% | -1.05 pp |
| Member Growth | -3.00% | - |
| Loan-to-Share Ratio | 78.07% | +14.47 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Call Report history - First Pace
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $8.8M | - |
| 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
Branch Locations (3)
Per its most recent NCUA branch filing, First Pace runs 3 offices in 3 different cities.
| Office | City |
|---|---|
| FIRST PACE Credit Union (Main Office) | West St Paul, MN |
| Heartland Credit Union | Inver Grove Heights, MN |
| MN Catholic Credit Union | Little Canada, MN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for First Pace, both outside Minnesota so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (74/100 here).
Using this data
- First Pace ranks #3,321 of 4,374 nationally on financial health and #74 of 82 in MN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Alexandria Schools Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Alexandria Schools Employees
- Rates and health both vary by institution, not just by state -- see how Minnesota credit unions compare overall before assuming this one is typical. Minnesota 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 Pace financially healthy?
First Pace scores 74/100 (Very Good) 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 #3,321 of 4,374; by total assets it ranks #3,609 of 4,374 nationally (same basis as /rankings/largest); and #69 of 82 within Minnesota. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 18.79% 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 18.79% 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.
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.