Credit Union Safety Analysis
Is First Commonwealth Federal Credit Union Safe? Allentown, Pennsylvania
Based on its Q2 2026 NCUA 5300 call report, First Commonwealth Federal Credit Union has a net worth ratio of 10.12%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.53%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, First Commonwealth Federal Credit Union's net worth ratio is 10.12%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.12%
- Delinquency ratio (60+ days) (Q2 2026): 1.53%
- Return on assets (Q2 2026): 0.78%
- Loan-to-share ratio (Q2 2026): 86.10%
First Commonwealth Federal Credit Union (NCUA charter 12765, established 1959) reported $1.47B in assets and 98,474 members for Q2 2026 from Allentown, Pennsylvania. It ranks 12 of 269 credit unions in Pennsylvania by total assets. Total assets grew 3.6% from $1.42B on June 30, 2025. It has 3,346 more members than on June 30, 2025 (+3.5%). Its net worth ratio was up 0.11 percentage points from 10.01% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $573.5M of $1.13B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.53% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 10.01% for Q1 2026; 10.01% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 1.02% for Q1 2026; 1.29% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.58% for Q1 2026; 0.13% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 83.43% for Q1 2026; 85.56% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $573.5M
- Commercial loans: $301.4M
- Used vehicle loans: $98.3M
- Other unsecured loans and lines of credit: $64.3M
- Unsecured credit card loans: $40.2M
- New vehicle loans: $37.7M
- Other secured non-real estate loans and lines of credit: $15.6M
- Non-federally guaranteed student loans: $1.8M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.47B | 10.12% | 1.53% | 0.78% | 86.10% |
| March 31, 2026 | $1.48B | 10.01% | 1.02% | 0.58% | 83.43% |
| December 31, 2025 | $1.45B | 9.99% | 1.23% | 0.90% | 86.87% |
| September 30, 2025 | $1.41B | 9.94% | 1.23% | 0.17% | 88.37% |
| June 30, 2025 | $1.42B | 10.01% | 1.29% | 0.13% | 85.56% |
| March 31, 2025 | $1.41B | 10.00% | 1.12% | 1.21% | 86.26% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
First Commonwealth Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 12765) · FFIEC NIC profile (RSSD 164685)
Frequently asked questions
Is First Commonwealth Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, First Commonwealth Federal Credit Union's net worth ratio is 10.12%, above the 7% NCUA threshold for well capitalized.
Is First Commonwealth Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. First Commonwealth Federal Credit Union is a federally insured credit union (NCUA charter 12765): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are First Commonwealth Federal Credit Union's key safety ratios?
For Q2 2026, First Commonwealth Federal Credit Union reports net worth 10.12%, delinquency 1.53%, ROA 0.78%, loan-to-share 86.10%.
What happens to my money if First Commonwealth Federal Credit Union fails?
For Q2 2026, First Commonwealth Federal Credit Union held $1.32B in shares and deposits for 98,474 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.