Federal credit union · Pasadena, California · NCUA charter #24875
The First Financial
Health score 58/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 58
- Health / 100
- $745.0M
- Total assets
- 32,947
- Members
- 6.9%
- Net-worth ratio
The First Financial scores 58/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $745.0M; members 32,947; net-worth ratio 6.90%; health rank #4,127 of 4,374; healthier than 6th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#4,127 of 4,374 health · 2025Q4The First Financial · health 58/100 · $745.0M · 2025Q4
Call Report peers
The First Financial in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
The First Financial vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); The First Financial sits in 55-59 with 115 others.
58 6th percentile higher than 6% 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
The First Financial: Call Report deltas vs peers
- Delinquency Rate leads the peer set - 0.64% here, 0.87% peer average (-0.23 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -27.58 pp (56.32% vs 83.90%).
Where The First Financial sits in California
- California health ordinal: #238 of 243.
- Assets rank #80 of 243 inside California ($745.0M reported).
- California membership ordinal: #81 of 243.
- One place up in California, County Schools (#237) ties at 58/100; one place down, POLAM (#239) scores 54/100, 4 points lower.
Quarter path for The First Financial
The First Financial: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.2% from $745.0M (2025Q4) to $746.5M (2026Q1).
- Net-worth ratio shifted -0.02 pp (6.92% → 6.90%).
This institution's 6.90% net worth ratio sits below the NCUA's 7.0% well-capitalized threshold.
How the 58/100 score is built
The First Financial gives up 42 points in total. Member Growth costs the most, 15 of its 15; Delinquency Rate loses the least, 1.4.
- Net Worth Ratio 21.8 pts
- Delinquency Rate 23.6 pts
- Return on Assets 0.3 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 12.3 pts
The First Financial vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 6.90% | -4.28 pp |
| Delinquency Rate | 0.64% | -0.23 pp |
| Return on Assets | -0.47% | -0.98 pp |
| Member Growth | -5.78% | - |
| Loan-to-Share Ratio | 56.32% | -27.58 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $746.5M | - |
| 2025Q4 | $745.0M | 32,947 |
| 2024Q4 | $754.0M | 34,968 |
| 2023Q4 | $800.6M | 34,973 |
Credit Union Details
- Charter Number
- 24875
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- California
- City
- Pasadena
- Data Quarter
- 2025Q4
Branch Locations (8)
The NCUA branch filing lists 8 physical offices for The First Financial, spread across 7 cities.
| Office | City |
|---|---|
| First Financial Credit Union (Main Office) | Pasadena, CA |
| Lakewood Branch | Lakewood, CA |
| Montclair Branch | Montclair, CA |
| Northridge Branch | Northridge, CA |
| Financial Service Centers Cooperative, Inc. | Ontario, CA |
| Pasadena Branch | Pasadena, CA |
| Redlands Branch | Redlands, CA |
| West Covina Branch | West Covina, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
More federally-insured credit unions based in California, ordered by peer group match and asset size.
Other-state peers near The First Financial
Similar total assets
Similar health score
Using this data
- The First Financial ranks #4,127 of 4,374 nationally on financial health and #238 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- UNCLE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with UNCLE
Frequently Asked Questions
Is The First Financial financially healthy?
The First Financial has a financial health score of 58/100 (Fair) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,127 of 4,374 nationally on health and #238 of 243 in California. Its net worth ratio is 6.90% and its delinquency rate 0.64%.
How does The First Financial compare to other credit unions?
The First Financial scores 58/100, higher than 6% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is delinquency rate (0.64% vs 0.87%). Its widest shortfall is loan-to-share ratio (56.32% vs 83.90%).
How can I join The First Financial?
The First Financial 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 The First Financial directly for the exact boundaries and application steps.
Is my money safe at The First Financial?
The First Financial 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. The First Financial's net worth ratio of 6.90% is relative to 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.