Federal credit union · Allentown, Pennsylvania · NCUA charter #6885
People First
Health score 71/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $998.7M
- Total assets
- 75,518
- Members
- 7.6%
- Net-worth ratio
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.
People First - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)80
- Asset quality (delinquency)77
- Earnings (ROA)21
- Member growth66
- Liquidity (loan-to-share)100
Weighted composite: 71/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 7.59% 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 | 7.59% | 30% |
| Delinquency Rate | 1.11% | 25% |
| Return on Assets | -0.14% | 15% |
| Member Growth | 0.78% | 15% |
| Loan-to-Share Ratio | 71.99% | 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 | $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
What This Data Says About People First
75,518 members and $998.7M in total assets sit behind People First, a federal credit union in Allentown, Pennsylvania, which posts a health score of 71/100 (Very Good) on the five-factor composite, with $668.9M in outstanding loans as of Q4 2025 and a net worth ratio of 7.59% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #6885 in peer group Over $500M, a cohort of 749 similarly-sized institutions.
1.11% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers. Deposit deployment is captured by the 71.99% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at -0.14% on net income of $-1425602 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 0.78%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other/Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Pennsylvania
More federally-insured credit unions based in Pennsylvania, 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 People First financially healthy?
People First scores 71/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 7.59% 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 7.59% 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.
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.