Federal credit union · Rochester, New York · NCUA charter #10220
Focus First
Health score 64/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 64
- Health / 100
- $10.1M
- Total assets
- 898
- Members
- 31.5%
- Net-worth ratio
Focus First scores 64/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $10.1M; members 898; net-worth ratio 31.53%; health rank #3,901 of 4,374; healthier than 10th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,901 of 4,374 health · 2025Q4Focus First · health 64/100 · $10.1M · 2025Q4
- NCUSIF 64/100
- CAMELS 31.5%
- HEALTH 0.06%
- NW -1.93%
- DELQ $10.1M
- ROA 898
- ASSETS #3,901/4,374
- MEM Redlands City Employees
- RANK 10220
Call Report peers
Focus First in the assets neighbourhood
Focus First's $10.1M assets sit next to Redlands City Employees ($10.1M) 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.
Focus First 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
64 10th percentile higher than 10% 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
Focus First - Share Insurance Coverage
Charter #10220'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.
Peer-gap read for Focus First
- Net Worth Ratio leads the peer set - 31.53% here, 14.86% peer average (+16.67 pp).
- Loan-to-Share Ratio trails the peer set - 28.54% here, 59.80% peer average (-31.26 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Focus First in New York
- New York health ordinal: #229 of 272.
- New York assets place: #211 of 272.
- Membership ranks #217 of 272 among New York CUs with a reported count (898 members).
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Focus First Call Report trajectory
Focus First: total assets by quarter
3 Call Report filings on this page's own vintage chain
- Assets moved -18.3% from $12.4M (2024Q4) to $10.1M (2025Q4).
- Membership moved -6.7% from 962 to 898 over the same window.
- Net-worth ratio shifted -8.24 pp (39.77% → 31.53%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 31.53%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 64/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 64.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 9.0 pts
Focus First vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 31.53% | +16.67 pp |
| Delinquency Rate | 0.06% | -1.09 pp |
| Return on Assets | -1.93% | -2.63 pp |
| Member Growth | -6.65% | - |
| Loan-to-Share Ratio | 28.54% | -31.26 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Focus First quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $10.1M | 898 |
| 2024Q4 | $12.4M | 962 |
| 2023Q4 | $12.9M | 1,033 |
Credit Union Details
- Charter Number
- 10220
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New York
- City
- Rochester
- Data Quarter
- 2025Q4
Nearby Credit Unions in New York
Other federally-insured credit unions in New York, closest first by peer group and asset size.
Focus First nationwide neighbourhoods
Two NCUA Call Report peer sets for Focus First, both outside New York so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($10.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (64/100 here).
Using this data
- Focus First ranks #3,901 of 4,374 nationally on financial health and #229 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Cvph Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Cvph Employees
- Rates and health both vary by institution, not just by state -- see how New York credit unions compare overall before assuming this one is typical. New York 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 Focus First financially healthy?
Yes/no aside, the number is 64/100 (Good) - Focus First's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,901 of 4,374; by total assets it ranks #3,560 of 4,374 nationally (same basis as /rankings/largest); and #211 of 272 within New York. Above 80 reads excellent, below 50 warrants closer monitoring; a 31.53% net worth ratio and 0.06% delinquency rate are the key drivers.
How does Focus First compare to other credit unions?
On PlainCU's health composite, Focus First lands at 64/100, compared to a peer group average for $10M–$50M 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 Focus First?
Focus First 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 Focus First directly for the exact boundaries and application steps.
Is my money safe at Focus First?
Federal credit unions like Focus First 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. Focus First's net worth ratio of 31.53% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Focus First offer compared to banks?
Credit unions like Focus First 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 Focus First 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.