York, Pennsylvania · Peer group 5
First Capital Credit Union
First Capital Credit Union holds $370.7M in assets across 21,316 members as of Q1 2026 — about $17K of assets per member, on a charter dating to 1954. Charter number 24490, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $370.7M |
|---|---|
| Total loans | $198.6M |
| Total shares (deposits) | $325.4M |
| Net worth | $42.7M |
| Members | 21,316 |
| Assets per member | $17K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 7.4% | |
|---|---|---|
| Loans | 2.0% | around the 46th percentile of its peer group |
| Deposits | 6.5% | around the 77th percentile of its peer group |
| Members | 1.0% | around the 66th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 61.0% | around the 29th percentile of its peer group |
|---|---|---|
| Net worth ratio | 11.8% | around the 54th percentile of its peer group |
| Return on assets | 0.98% | around the 69th percentile of its peer group |
| Delinquency ratio | 0.18% | around the 12th percentile of its peer group |
| Cash / assets | 27.8% | higher than 98% of its peer group |
| Borrowings / assets | 0.0% | around the 40th percentile of its peer group |
What this page does not show
Everything above is First Capital Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Pennsylvania — the comparison set a peer ratio is measured against.
- West-Aircomm Credit Union
Beaver, PA
$374.7M · 21,858 members
- Inspire Credit Union
Newtown, PA
$397.1M · 18,153 members
- Net Credit Union
Scranton, PA
$344.2M · 20,066 members
- Riverfront Credit Union
Wyomissing, PA
$324.4M · 22,500 members
- Cross Valley Credit Union
Wilkes Barre, PA
$293.6M · 17,094 members
- Everence Credit Union
Lancaster, PA
$450.1M · 24,692 members
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