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
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 · 2025Q4First U.S. Community · health 85/100 · $548.6M · 2025Q4
Call Report peers
First U.S. Community in the assets neighbourhood
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
First U.S. Community sits in the busiest band, 85-89, alongside 857 other credit unions.
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
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%).
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.
- One place up in California, MERCO (#116) ties at 85/100; one place down, Rolling F (#118) ties at 85/100.
How First U.S. Community's 5300 filing moved
First U.S. Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.0% from $548.6M (2025Q4) to $554.2M (2026Q1).
- Net-worth ratio shifted -0.19 pp (11.85% → 11.66%).
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
First U.S. Community gives up 15 points in total. Member Growth costs the most, 8.6 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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.
Nationwide credit unions with similar profiles
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.
Frequently Asked Questions
Is First U.S. Community financially healthy?
On its 2025Q4 NCUA 5300 filing, First U.S. Community scores 85/100 (Excellent), with a 11.66% net worth ratio and 0.60% of loans delinquent. It ranks #1,980 of 4,374 nationally on health and #117 of 243 in California.
How does First U.S. Community compare to other credit unions?
First U.S. Community scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (11.66% vs 11.18%). Its widest shortfall is loan-to-share ratio (72.54% vs 83.90%).
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?
First U.S. Community is a state-chartered 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 U.S. Community's net worth ratio of 11.66% 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.