State credit union · JOHNSTOWN, Pennsylvania · NCUA charter #65013
Healthcare First Credit Union
Health score 74/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $99.3M
- Total assets
- 8,098
- Members
- 13.2%
- Net-worth ratio
Healthcare First Credit Union scores 74/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $99.3M; members 8,098; net-worth ratio 13.24%; health rank #3,331 of 4,374; healthier than 23rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,331 of 4,374 health · 2025Q4Healthcare First · health 74/100 · $99.3M · 2025Q4
- HEALTH 74/100
- NW 13.2%
- DELQ 1.43%
- ROA 0.77%
- ASSETS $99.3M
- MEM 8,098
- RANK #3,331/4,374
- PHOTO University of Toledo
- BOOK 65013
Call Report peers
Healthcare First Credit Union in the assets neighbourhood
Healthcare First Credit Union's $99.3M assets sit next to University of Toledo ($99.2M) 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.
Healthcare First Credit Union 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
74 23rd percentile higher than 23% 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
Healthcare First Credit Union - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #65013: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Peer-gap read for Healthcare First Credit Union
- Largest favorable gap: Return on Assets at 0.77% vs peer 0.66% (+0.11 pp).
- Loan-to-Share Ratio trails the peer set - 34.81% here, 62.60% peer average (-27.79 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Healthcare First Credit Union sits in Pennsylvania
- Pennsylvania health ordinal: #206 of 275.
- By total assets, Healthcare First Credit Union is #86 of 275 in Pennsylvania.
- Member book place in Pennsylvania: #80 of 275.
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Healthcare First Credit Union's 5300 filing moved
Healthcare First Credit Union: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.6% from $99.3M (2025Q4) to $101.0M (2026Q1).
- Net-worth ratio shifted +0.05 pp (13.19% → 13.24%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 13.24% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 74/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 74.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 16.8 pts
- Return on Assets 15.0 pts
- Member Growth 3.5 pts
- Loan-to-Share Ratio 8.7 pts
Call Report ratios for Healthcare First Credit Union
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.24% | -0.38 pp |
| Delinquency Rate | 1.43% | +0.47 pp |
| Return on Assets | 0.77% | +0.11 pp |
| Member Growth | -3.05% | - |
| Loan-to-Share Ratio | 34.81% | -27.79 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Call Report history - Healthcare First Credit Union
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $101.0M | - |
| 2025Q4 | $99.3M | 8,098 |
| 2024Q4 | $98.4M | 8,353 |
| 2023Q4 | $95.6M | 8,563 |
Credit Union Details
- Charter Number
- 65013
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Pennsylvania
- City
- JOHNSTOWN
- Data Quarter
- 2025Q4
Branch Locations (8)
The NCUA branch filing lists 8 physical offices for Healthcare First Credit Union, spread across 5 cities.
| Office | City |
|---|---|
| Franklin St Office (Main Office) | Johnstown, PA |
| Station Medical Center | Altoona, PA |
| UPMC Altoona Hospital | Altoona, PA |
| Davidsville - Laurel View Village | Davidsville, PA |
| Altoona Main Office - Servers | Duncansville, PA |
| Altoona Main Office | Duncansville, PA |
| Richland Office | Johnstown, PA |
| Martinsburg office | Martinsburg, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
More federally-insured credit unions based in Pennsylvania, ordered by peer group match and asset size.
Other-state peers near Healthcare First Credit Union
Healthcare First Credit Union's nationwide photo peers by assets and by health score, excluding Pennsylvania charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($99.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (74/100 here).
Using this data
- Healthcare First Credit Union ranks #3,331 of 4,374 nationally on financial health and #206 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Corner Post is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Corner Post
- Rates and health both vary by institution, not just by state -- see how Pennsylvania credit unions compare overall before assuming this one is typical. Pennsylvania 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 Healthcare First Credit Union financially healthy?
Healthcare First Credit Union scores 74/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,331 of 4,374; by total assets it ranks #1,825 of 4,374 nationally (same basis as /rankings/largest); and #86 of 275 within Pennsylvania. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 13.24% net worth ratio and a 1.43% delinquency rate.
How does Healthcare First Credit Union compare to other credit unions?
PlainCU's health composite puts Healthcare First Credit Union at 74/100, compared to a peer group average for $50M–$100M 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 Healthcare First Credit Union?
Membership eligibility for Healthcare First Credit Union depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Healthcare First Credit Union directly for current membership requirements and application steps.
Is my money safe at Healthcare First Credit Union?
Federal credit unions like Healthcare First Credit Union 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. Healthcare First Credit Union's net worth ratio of 13.24% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Healthcare First Credit Union offer compared to banks?
Credit unions like Healthcare First Credit Union 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 Healthcare First Credit Union 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.