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
- ROA 71/100
- ASSETS 7.5%
- MEM 1.11%
- RANK -0.14%
- PHOTO $998.7M
- BOOK 75,518
- CHARTER #3,563/4,374
- NCUSIF Westby Co-Op
- CAMELS 6885
Call Report peers
People First in the assets neighbourhood
People First's $998.7M assets sit next to Westby Co-Op ($996.7M) 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.
People 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
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
People First - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #6885 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where People First diverges from peer averages
- Widest shortfall vs peers is Loan-to-Share Ratio: -11.91 pp (71.99% vs 83.90%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
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 People First's 5300 filing moved
People First: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.3% from $998.7M (2025Q4) to $1.03B (2026Q1).
- Net-worth ratio shifted -0.17 pp (7.72% → 7.55%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 71.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Two NCUA Call Report peer sets for People First, both outside Pennsylvania 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 ($998.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (71/100 here).
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
- 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 People First financially healthy?
People First scores 71/100 (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 #3,563 of 4,374; by total assets it ranks #468 of 4,374 nationally (same basis as /rankings/largest); and #15 of 275 within Pennsylvania. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 7.55% net worth ratio and a 1.11% delinquency rate.
How does People First compare to other credit unions?
On PlainCU's health composite, People First lands at 71/100, compared to a peer group average for Over $500M 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 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?
Federal credit unions like People 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. People First's net worth ratio of 7.55% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does People First offer compared to banks?
Credit unions like People 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 People 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.