State credit union · San Antonio, Texas · NCUA charter #62509
Firstmark
Health score 77/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $1.24B
- Total assets
- 89,054
- Members
- 9.4%
- Net-worth ratio
Firstmark - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #62509 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Firstmark - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)95
- Asset quality (delinquency)87
- Earnings (ROA)57
- Member growth20
- Liquidity (loan-to-share)100
Weighted composite: 77/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 9.41% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.41% | 30% |
| Delinquency Rate | 0.82% | 25% |
| Return on Assets | 0.09% | 15% |
| Member Growth | -3.37% | 15% |
| Loan-to-Share Ratio | 70.47% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $1.24B | 89,054 |
| 2024Q4 | $1.18B | 92,160 |
| 2023Q4 | $1.20B | 91,382 |
Credit Union Details
- Charter Number
- 62509
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Texas
- City
- San Antonio
- Data Quarter
- 2025Q4
What This Data Says About Firstmark
Firstmark is a state credit union headquartered in San Antonio, Texas, serving 89,054 members with $1.24B in total assets and $782.4M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 77/100 (Very Good), anchored by a net worth ratio of 9.41% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #62509 operates under peer group Over $500M, a cohort of 749 similarly-sized institutions.
Deposits deployed into lending sit at a 70.47% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Loan quality, meanwhile, shows 0.82% of the book 60+ days past due - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. Return on assets stands at 0.09% on net income of $1.1M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -3.37%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Firstmark financially healthy?
Yes/no aside, the number is 77/100 (Very Good) - Firstmark's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.41% net worth ratio and 0.82% delinquency rate are the key drivers.
How does Firstmark compare to other credit unions?
PlainCU's health composite puts Firstmark at 77/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Firstmark?
Membership eligibility for Firstmark depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Firstmark directly for current membership requirements and application steps.
Is my money safe at Firstmark?
Federal credit unions like Firstmark 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. Firstmark's net worth ratio of 9.41% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Firstmark offer compared to banks?
Credit unions like Firstmark 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 Firstmark directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.