First Capital
York, PA · Charter 24490 · Peer group: credit unions under $1B in assets in PA (n=72)
NCUA · 6 branches
Q2 2026
$368.4MAssets
$214.8MLoans
$322.4MShares
$43.8MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 76% of credit unions under $1B in assets in PA (rank 18 of 72).
- Widest gap: equity / assets trails 68% of credit unions under $1B in assets in PA (rank 49 of 72).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
1.07%
Rank 35 of 72
Net Interest Margin
3.34%
Rank 48 of 72
Efficiency Ratio
73.36%
Rank 35 of 72
Equity / Assets
11.87%
Rank 49 of 72
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.07% | 0.59% | 1.06% | 1.40% | Beats 51% | 35 / 72 | |
| Return on Equity | 9.03% | 5.27% | 7.11% | 9.91% | Beats 65% | 25 / 72 | |
| Net Interest Margin | 3.34% | 3.09% | 3.57% | 4.10% | Beats 33% | 48 / 72 | |
| Efficiency Ratio | 73.36% | 64.37% | 73.67% | 81.63% | Beats 53% | 35 / 72 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.20% | 0.20% | 0.58% | 1.09% | Beats 76% | 18 / 72 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.87% | 10.74% | 12.96% | 16.84% | Beats 32% | 49 / 72 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.87% | 10.74% | 12.96% | 16.84% | Beats 32% | 49 / 72 | |
| Liquidity & Funding |
| Loans / Deposits | 66.63% | 34.39% | 52.54% | 65.98% | 76th pctl | 17 / 72 | |
| Loans / Assets | 58.30% | 30.23% | 45.37% | 57.67% | 79th pctl | 15 / 72 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |