State credit union · BOSTON, Massachusetts · NCUA charter #66593
First Priority
Health score 98/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 98
- Health / 100
- $143.3M
- Total assets
- 6,178
- Members
- 12.7%
- Net-worth ratio
First Priority scores 98/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $143.3M; members 6,178; net-worth ratio 12.70%; health rank #98 of 4,374; healthier than 97th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#98 of 4,374 health · 2025Q4First Priority · health 98/100 · $143.3M · 2025Q4
- HEALTH 98/100
- NW 12.7%
- DELQ 0.11%
- ROA 0.36%
- ASSETS $143.3M
- MEM 6,178
- RANK #98/4,374
- PHOTO WCLA
- BOOK 66593
Call Report peers
First Priority in the assets neighbourhood
First Priority's $143.3M assets sit next to WCLA ($143.3M) 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 Priority 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
98 Top 3% higher than 97% 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 Priority - Share Insurance Coverage
Charter #66593'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 Priority diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +5.80 pp (78.00% vs 72.20%).
- Widest shortfall vs peers is Return on Assets: -0.26 pp (0.36% vs 0.62%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where First Priority sits in Massachusetts
- Massachusetts health ordinal: #2 of 126.
- By total assets, First Priority is #52 of 126 in Massachusetts.
- Membership ranks #56 of 126 among Massachusetts CUs with a reported count (6,178 members).
In-state ordinals use the live credit_unions table for MA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
First Priority: 2025Q4 → 2026Q1
First Priority: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.1% from $143.3M (2025Q4) to $143.2M (2026Q1).
- Net-worth ratio shifted +0.09 pp (12.61% → 12.70%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 12.70%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 98/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 98.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 12.9 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.1 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.70% | +0.59 pp |
| Delinquency Rate | 0.11% | -0.79 pp |
| Return on Assets | 0.36% | -0.26 pp |
| Member Growth | 20.88% | - |
| Loan-to-Share Ratio | 78.00% | +5.80 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
First Priority quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $143.2M | - |
| 2025Q4 | $143.3M | 6,178 |
| 2024Q4 | $129.1M | 5,111 |
| 2023Q4 | $119.1M | 5,727 |
Credit Union Details
- Charter Number
- 66593
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Massachusetts
- City
- BOSTON
- Data Quarter
- 2025Q4
Branch Locations (2)
First Priority operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| BOSTON BRANCH (Main Office) | BOSTON, MA |
| FIRST PRIORITY CREDIT UNION | EAST BOSTON, MA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Massachusetts
A look at other Massachusetts credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for First Priority - kept outside Massachusetts; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($143.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (98/100 here).
Using this data
- First Priority ranks #98 of 4,374 nationally on financial health and #2 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Metrowest Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Metrowest Community
- Rates and health both vary by institution, not just by state -- see how Massachusetts credit unions compare overall before assuming this one is typical. Massachusetts 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 Priority financially healthy?
A 12.70% net worth ratio and a 0.11% delinquency rate feed into First Priority's financial health score of 98/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #98 of 4,374; by total assets it ranks #1,526 of 4,374 nationally (same basis as /rankings/largest); and #52 of 126 within Massachusetts. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does First Priority compare to other credit unions?
On PlainCU's health composite, First Priority lands at 98/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 Priority?
Membership eligibility for First Priority depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact First Priority directly for current membership requirements and application steps.
Is my money safe at First Priority?
Federal credit unions like First Priority 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 Priority's net worth ratio of 12.70% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does First Priority offer compared to banks?
Credit unions like First Priority 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 Priority 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.