Federal credit union · New Hartford, New York · NCUA charter #2658
First Source
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $1.10B
- Total assets
- 63,773
- Members
- 10.1%
- Net-worth ratio
First Source scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.10B; members 63,773; net-worth ratio 10.12%; health rank #1,841 of 4,374; healthier than 57th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,841 of 4,374 health · 2025Q4First Source · health 86/100 · $1.10B · 2025Q4
Call Report peers
First Source in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
First Source vs every NCUA-scored credit union
First Source sits in the busiest band, 85-89, alongside 857 other credit unions.
86 Top 43% higher than 57% 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 Source diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 105.64% here, 83.90% peer average (+21.74 pp).
- Net Worth Ratio trails the peer set - 10.12% here, 11.18% peer average (-1.06 pp).
New York standing for First Source
- In New York, health place is #107 of 272 on the same NCUA-ratio sort used nationally.
- New York assets place: #24 of 272.
- Membership ranks #22 of 272 among New York CUs with a reported count (63,773 members).
- One place up in New York, SJP (#106) ties at 86/100; one place down, Inner Lakes (#108) ties at 86/100.
First Source: 2025Q4 → 2026Q1
First Source: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.2% from $1.10B (2025Q4) to $1.12B (2026Q1).
- Net-worth ratio shifted +0.08 pp (10.04% → 10.12%).
10.12% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 86/100 score is built
First Source gives up 14 points in total. Loan-to-Share Ratio costs the most, 6.6 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.7 pts
- Return on Assets 15.0 pts
- Member Growth 11.7 pts
- Loan-to-Share Ratio 8.6 pts
First Source health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.12% | -1.06 pp |
| Delinquency Rate | 0.93% | +0.06 pp |
| Return on Assets | 0.70% | +0.19 pp |
| Member Growth | 2.21% | - |
| Loan-to-Share Ratio | 105.64% | +21.74 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
First Source filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.12B | - |
| 2025Q4 | $1.10B | 63,773 |
| 2024Q4 | $1.06B | 62,395 |
| 2023Q4 | $1.03B | 60,641 |
Credit Union Details
- Charter Number
- 2658
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- New York
- City
- New Hartford
- Data Quarter
- 2025Q4
Branch Locations (6)
First Source operates 6 offices across 4 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| First Source Federal Credit Union (Main Office) | New Hartford, NY |
| First Source Federal Credit Union | Herkimer, NY |
| First Source Federal Credit Union | New Hartford, NY |
| First Source Federal Credit Union | Rome, NY |
| First Source Federal Credit Union | Utica, NY |
| First Source Federal Credit Union | Utica, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, ordered by peer group match and asset size.
First Source nationwide neighbourhoods
Using this data
- First Source ranks #1,841 of 4,374 nationally on financial health and #107 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SUNMARK is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SUNMARK
Frequently Asked Questions
Is First Source financially healthy?
First Source has a financial health score of 86/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,841 of 4,374 nationally on health and #107 of 272 in New York. Its net worth ratio is 10.12% and its delinquency rate 0.93%.
How does First Source compare to other credit unions?
First Source scores 86/100, higher than 57% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (105.64% vs 83.90%). Its widest shortfall is net worth ratio (10.12% vs 11.18%).
How can I join First Source?
First Source 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 Source directly for the exact boundaries and application steps.
Is my money safe at First Source?
First Source is a federal 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 Source's net worth ratio of 10.12% 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.