State credit union · Sacramento, California · NCUA charter #68474

First U.S. Community

Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.

85
Health / 100
$548.6M
Total assets
27,818
Members
11.7%
Net-worth ratio
A Letter grade on the five-factor composite

First U.S. Community scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $548.6M; members 27,818; net-worth ratio 11.66%; health rank #1,980 of 4,374; healthier than 54th of scored peers.

5300 filing masthead

NCUA 5300 Call Report Masthead

#1,980 of 4,374 health · 2025Q4

First U.S. Community · health 85/100 · $548.6M · 2025Q4

  • RANK 85/100
  • PHOTO 11.7%
  • BOOK 0.60%
  • CHARTER 0.14%
  • NCUSIF $548.6M
  • CAMELS 27,818
  • HEALTH #1,980/4,374
  • NW I-C
  • DELQ 68474

Call Report peers

First U.S. Community in the assets neighbourhood

CHAMPION$554.8MFIRELANDS$554.6MFirst U.S. Community (this)$548.6MI-C$548.0MDutch Point$543.8MPITTSFORD$542.7M
Nearest other-state credit unions by total assets (NCUA 5300)

First U.S. Community's $548.6M assets sit next to I-C ($548.0M) 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 U.S. Community 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

85 Top 46% higher than 54% 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 U.S. Community - Share Insurance Coverage

Charter #68474'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.

NCUSIF coverage gauge for First U.S. Community Share insurance under NCUSIF covers up to $250,000 per share owner. First U.S. Community holds approximately $483.9M in member shares. Composite CAMELS rating bracket 1 (Strong). Risk-based capital ratio 11.7 percent. Share Insurance Coverage Federal NCUSIF - $250K per share owner 1 2 3 4 5 CAMELS 1 · Strong RBC ratio 11.7% · $483.9M member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 - share insurance under Title II of the Federal Credit Union Act

Peer-gap read for First U.S. Community

  • Strongest edge vs 749 Over $500M peers is Net Worth Ratio: +0.48 pp (11.66% vs 11.18%).
  • Widest shortfall vs peers is Loan-to-Share Ratio: -11.36 pp (72.54% vs 83.90%).

Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.

Where First U.S. Community sits in California

  • Health composite ranks #117 of 243 among scored California credit unions.
  • California assets place: #88 of 243.
  • California membership ordinal: #87 of 243.

In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.

How First U.S. Community's 5300 filing moved

First U.S. Community: total assets by quarter

4 Call Report filings on this page's own vintage chain

530,000,000540,000,000550,000,000560,000,000 2023Q42024Q42025Q42026Q1 535,934,500 554,171,294 ▲ +3.4%
  • Assets moved +1.0% from $548.6M (2025Q4) to $554.2M (2026Q1).
  • Net-worth ratio shifted -0.19 pp (11.85% → 11.66%).

Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.

Net worth ratio vs. NCUA well-capitalized threshold 77.7%

11.66% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).

How the 85/100 score is built

Each segment is a pillar's weighted contribution to the composite; widths sum to 85.

  • Net Worth Ratio 30.0 pts
  • Delinquency Rate 24.0 pts
  • Return on Assets 9.6 pts
  • Member Growth 6.4 pts
  • Loan-to-Share Ratio 15.0 pts

First U.S. Community vs peer ratios

Metric Value vs peer
Net Worth Ratio 11.66% +0.48 pp
Delinquency Rate 0.60% -0.28 pp
Return on Assets 0.14% -0.37 pp
Member Growth -1.47% -
Loan-to-Share Ratio 72.54% -11.36 pp

Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).

Call Report history - First U.S. Community

Quarter Assets Members
2026Q1 $554.2M -
2025Q4 $548.6M 27,818
2024Q4 $537.7M 28,232
2023Q4 $535.9M 28,389

Credit Union Details

Charter Number
68474
Type
State
Field of Membership
Other
Peer Group
Over $500M
State
California
City
Sacramento
Data Quarter
2025Q4

Branch Locations (6)

The NCUA branch filing lists 6 physical offices for First U.S. Community, spread across 5 cities.

Office City
First US Community CU (Main Office) Sacramento, CA
Auburn Branch Auburn, CA
Gold River Branch Gold River, CA
Grass Valley Branch Grass Valley, CA
Rocklin Branch Rocklin, CA
Watt Branch Sacramento, CA

Source: NCUA Credit Union Branch Information, 2025Q4 filing.

Nearby Credit Unions in California

Other federally-insured credit unions in California, closest first by peer group and asset size.

Compare First U.S. Community vs I.L.W.U.

Nationwide credit unions with similar profiles

First U.S. Community's nationwide photo peers by assets and by health score, excluding California charters.

Similar health score

Nearest other-state credit unions by five-factor health composite (85/100 here).

United Consumers 85 · MO Campus USA 85 · FL United Community 85 · TX Heritage South 85 · AL

Using this data

  • First U.S. Community ranks #1,980 of 4,374 nationally on financial health and #117 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
  • I.L.W.U. is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with I.L.W.U.
  • Rates and health both vary by institution, not just by state -- see how California credit unions compare overall before assuming this one is typical. California 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 U.S. Community financially healthy?

First U.S. Community has a financial health score of 85/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,980 of 4,374; by total assets it ranks #715 of 4,374 nationally (same basis as /rankings/largest); and #88 of 243 within California. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 11.66% and delinquency rate of 0.60%.

How does First U.S. Community compare to other credit unions?

First U.S. Community scores 85/100 on PlainCU's health composite, compared to a peer group average for Over $500M 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 U.S. Community?

Membership eligibility for First U.S. Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact First U.S. Community directly for current membership requirements and application steps.

Is my money safe at First U.S. Community?

Federal credit unions like First U.S. Community 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 U.S. Community's net worth ratio of 11.66% exceeds the 7% threshold NCUA considers "well capitalized."

What rates does First U.S. Community offer compared to banks?

Credit unions like First U.S. Community 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 U.S. Community directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.

Data sources

Related

How health scores work →

Data sourced from the NCUA 5300 Call Report (2025Q4) for First U.S. Community. Retrieved and formatted by PlainCU. See our methodology for details.

Disclaimer: Not affiliated with NCUA. For informational purposes only.

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.