First Capital

York, PA · 1 · Charter #24490 · www.firstcapitalfcu.com
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$368.9M
34th percentile
Members
21,289
29th percentile
Total loans
$197.2M
19th percentile
Total shares
$324.6M
37th percentile

Profitability

Return on assets
1.32%
73th percentile
Net interest margin
3.23%
35th percentile
Efficiency ratio
57.95%
55th percentile
Non-interest income ratio
24.04%
77th percentile

Capital & Risk

Net worth ratio
11.33%
57th percentile
Delinquency rate
0.23%
91th percentile
Net charge-off rate
0.09%
91th percentile
Loan-to-share
60.75%
14th percentile

Growth

Member growth YoY
1.85%
64th percentile
Asset growth YoY
13.85%
95th percentile
Loan growth YoY
2.54%
41th percentile
Share growth YoY
13.70%
96th percentile

Operations

Members / branch
3,548
26th percentile
Assets / member
$17,327
60th percentile
Field of membership penetration
16.70%
82th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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