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
- CHARTER 58/100
- NCUSIF 6.9%
- CAMELS 0.64%
- HEALTH -0.47%
- NW $745.0M
- DELQ 32,947
- ROA #4,127/4,374
- ASSETS Mass. Institute of Tech.
- MEM 24875
Call Report peers
The First Financial in the assets neighbourhood
The First Financial's $745.0M assets sit next to Mass. Institute of Tech. ($743.5M) 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.
The First Financial 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
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 - Share Insurance Coverage
Charter #24875's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for The First Financial
The First Financial: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.2% from $745.0M (2025Q4) to $746.5M (2026Q1).
- Net-worth ratio shifted -0.02 pp (6.92% → 6.90%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 58.
- 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 |
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).
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
The First Financial's nationwide photo peers by assets and by health score, excluding California charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($745.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (58/100 here).
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
- Rates and health both vary by institution, not just by state -- see how California credit unions compare overall before assuming this one is typical. California 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 The First Financial financially healthy?
The First Financial has a financial health score of 58/100 (Fair) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,127 of 4,374; by total assets it ranks #585 of 4,374 nationally (same basis as /rankings/largest); and #80 of 243 within California. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 6.90% and delinquency rate of 0.64%.
How does The First Financial compare to other credit unions?
58/100 is The First Financial's score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?
Federal credit unions like The First Financial 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. The First Financial's net worth ratio of 6.90% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does The First Financial offer compared to banks?
Credit unions like The First Financial 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 The First Financial 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.