Federal credit union · Allentown, Pennsylvania · NCUA charter #6885
People First
Health score 71/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $998.7M
- Total assets
- 75,518
- Members
- 7.5%
- Net-worth ratio
People First scores 71/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $998.7M; members 75,518; net-worth ratio 7.55%; health rank #3,563 of 4,374; healthier than 18th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,563 of 4,374 health · 2025Q4People First · health 71/100 · $998.7M · 2025Q4
Call Report peers
People First in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
People First vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); People First sits in 70-74 with 317 others.
71 18th percentile higher than 18% 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
Where People First diverges from peer averages
- Widest shortfall vs peers is Loan-to-Share Ratio: -11.91 pp (71.99% vs 83.90%).
Pennsylvania standing for People First
- Pennsylvania health ordinal: #219 of 275.
- By total assets, People First is #15 of 275 in Pennsylvania.
- Membership ranks #13 of 275 among Pennsylvania CUs with a reported count (75,518 members).
- One place up in Pennsylvania, Bessemer System (#218) ties at 71/100; one place down, West Penn P&p (#220) scores 70/100, 1 point lower.
How People First's 5300 filing moved
People First: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.3% from $998.7M (2025Q4) to $1.03B (2026Q1).
- Net-worth ratio shifted -0.17 pp (7.72% → 7.55%).
This credit union's 7.55% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 71/100 score is built
People First gives up 29 points in total. Return on Assets costs the most, 11.8 of its 15; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 23.9 pts
- Delinquency Rate 19.1 pts
- Return on Assets 3.2 pts
- Member Growth 9.9 pts
- Loan-to-Share Ratio 14.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.55% | -3.63 pp |
| Delinquency Rate | 1.11% | +0.24 pp |
| Return on Assets | -0.14% | -0.65 pp |
| Member Growth | 0.78% | - |
| Loan-to-Share Ratio | 71.99% | -11.91 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
People First quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.03B | - |
| 2025Q4 | $998.7M | 75,518 |
| 2024Q4 | $923.8M | 74,933 |
| 2023Q4 | $859.8M | 72,277 |
Credit Union Details
- Charter Number
- 6885
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- Over $500M
- State
- Pennsylvania
- City
- Allentown
- Data Quarter
- 2025Q4
Branch Locations (10)
Per its most recent NCUA branch filing, People First runs 10 offices in 6 different cities.
| Office | City |
|---|---|
| Headquarters (Main Office) | Allentown, PA |
| Devonshire | Allentown, PA |
| Sixth Street | Allentown, PA |
| Tilghman Square Branch | Allentown, PA |
| Bethlehem Branch | Bethlehem, PA |
| Bethlehem Township | Bethlehem, PA |
| Nazareth Branch | Nazareth, PA |
| Palmerton | Palmerton, PA |
| Trexlertown Branch | Trexlertown, PA |
| Whitehall Branch | Whitehall, 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.
Cross-state Call Report peers for People First
Using this data
- People First ranks #3,563 of 4,374 nationally on financial health and #219 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Belco Community Credit Union is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Belco Community Credit Union
Frequently Asked Questions
Is People First financially healthy?
People First has a financial health score of 71/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,563 of 4,374 nationally on health and #219 of 275 in Pennsylvania. Its net worth ratio is 7.55% and its delinquency rate 1.11%.
How does People First compare to other credit unions?
People First scores 71/100, higher than 18% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (71.99% vs 83.90%).
How can I join People First?
People 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 People First directly for the exact boundaries and application steps.
Is my money safe at People First?
People First is a federal 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. People First's net worth ratio of 7.55% 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.