# FIRST CAPITAL
York, PA · NCUA charter 24490 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/first-capital-24490

Who the members are: federal charter, multiple common bond, organized 1954. 21,316 members of 129,231 potential (16.5% of the field); checking penetration 75% (share draft accounts per 100 members); loans per 100 members 42.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $370.7M |
| Members | 21,316 (1.1% YoY) |
| Full-time staff | 70 |
| Net worth | $42.7M |
| Net worth ratio | 11.5% (p55 of band) |
| ROA (annualized) | 0.98% (p71 of band) |
| Total delinquency | 0.18% (p11 of band) |
| Net charge-offs (annualized) | 0.07% (p11 of band) |
| Loans / shares | 61% (p24 of band) |
| Cash / assets | 32.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.18% (p25 of band) |
| Operating expense / assets | 3.48% (p41 of band) |
| Vehicles % of loans | 27% (p39 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 1% |
| Third-party paper % of net worth | 41% (p37 of band) |
| Vehicle delinquency | 0.21% (p17 of band) |
| Vehicle NCO | 0.37% (p34 of band) |
| Repossessed % of vehicle book | 0.00% (p51 of band) |
| Real estate % of loans | 46% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 86% |
| Core shares % of member funds | 61% |
| Certificates % of member funds | 21% |
| Average share balance | $6,390 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $11.5M |
| Loans outstanding per 100 members | 42% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $22,254 |
| Loans granted, annualized | $53.8M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $11.5M outstanding purchased (27.0% of net worth), $374,933 sold and retained. Sold in 0 and bought in 2 of the last 8 quarters. Shares 6.5% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | thin capital |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | thin capital, net worth falling |  |
| 2017-06 | 2 | delinquency rising | net worth falling |
| 2017-09 | 0 |  | thin capital, delinquency rising |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 2 | margin squeeze |  |
| 2020-09 | 4 | thin capital, delinquency rising |  |
| 2020-12 | 3 |  | delinquency rising |
| 2021-03 | 3 |  |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 2 |  | margin squeeze |
| 2021-12 | 1 |  | net worth falling |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 3 | delinquency rising, 3rd-party paper>100% NW |  |
| 2022-12 | 2 |  | 3rd-party paper>100% NW |
| 2023-03 | 0 |  | thin capital, delinquency rising |
| 2023-06 | 1 | assets shrinking |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | assets shrinking |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | delinquency rising |  |
| 2024-09 | 0 |  | delinquency rising |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-23 [First Capital Federal Credit Union promotes Bobbie Ford to VP of Risk Management and Compliance! - CUInsight](https://news.google.com/rss/articles/CBMi0gFBVV95cUxNZnRtNGpRRzhRSjNRbGZ1XzJVcVRuNlN5dGJZaHhFNUxzMFNLQjBjSndjb0dOOEtpYW1xcTUzT0M0WnRjbEhxQzVYdlpFUE1FLUVHcWppWFViaW9ET1cxZjhuTlQ3akVFRldIbl8tcGx6eDgxNGJROUh1MHVjemxoT0l5Wmt4TnNlRUs1bDBaa21JSF93OGl5OXRnR29RQkxmcEF1czFGZ0pTWTNjVUdhWTd6V2hXeUdtbjQwa3ZvU044OWZxeDJRRGNMTEk0TEVDdmc?oc=5) · CUInsight
- 2025-08-11 [First Capital Federal Credit Union promotes nine team members! - CUInsight](https://news.google.com/rss/articles/CBMipAFBVV95cUxQOWNwUEZrOTd3UkswN2QwaFVTQmt0MkxaczFpQmFfNXc4eDlMMmp2REVmUHQ1dVh3d1dQTmprQU9LdllPQTJ2eFd5a3ZMakJyZThCazNGOHd0NnVkSXBBUEdoNWJvUHBYTnQ5a0FTZlVlME8xNVZZbkNteVNINGMxZ3p6VDFidW94RGlGUnFKZEdLMnRPTW55UTRycW9QWjFXdmk5Wg?oc=5) · CUInsight
- 2025-08-21 [AmFirst, AmeriCU & Addition Financial Announce New Roles, Honors - CUTimes](https://news.google.com/rss/articles/CBMingFBVV95cUxQdWZxMXB5OVhhYWlkSkplVFp2cXNVXzRJRUo0NmZfd1BOYjA0SE1kWEVrdEdCb3phVGQ1VlNhRkszdVRwcl8zZXc1QlFtSWRBMnpmSngxaHJiZmxtX0I2YUNXMl9mdmJJc1FPUW9ueDR3TU0tcXRuUFFDdnNlMkZxNXRST19mUENyaGVWdEdBSWtNNkFPZkZOV2lNT1lBUQ?oc=5) · CUTimes
- 2025-08-01 [First Capital Federal Credit Union and the FirstCap Gives Back Foundation donate to H.O.P.E.! - CUInsight](https://news.google.com/rss/articles/CBMizAFBVV95cUxNMm1INVJDQl8ySVotOGRKeTBibFVOOEFhbXRrSmlNbTVsYlpIbExsakY1QVhub05KaWsxWmI5LVRGNmFlWng4V3VpSVlUeGFfREMxMlN5b3UzeHhXa19PeGR6WXlJR1hpcFJYUV9oNURPdjZMUjhiRVIwb0p5dFRhRVFyOUpLams0U0xscWdlYUhscEl1czhhU2J4cUxXQzZRR3dmZUZNSTZBSVB5b3RPc2JzX3hEeUF4NnlDQ0NMRmhDZloxcnAta0hEcVo?oc=5) · CUInsight
- 2023-10-30 [First Capital Federal Credit Union promotes Jeremy Ackerley to AVP of Digital Experience! - CUInsight](https://news.google.com/rss/articles/CBMiyAFBVV95cUxQU3FZWXlvbWNOUWJGNDBoN3htQ0gwWm9ySW1KTVdxekFwdDFMd3NQU3BEMzJoSjF6Q2labUJaTEh6MW5wWlhNT293X1NMWlJXb0VzVE5iRVpES1ZUTWRzVWhPQjlJU0pQM09hVTRPeFc0Z0dxUUhxOU5tb2YzZDVnclk5Z1M3MUJPMm80LXdvUWM3NHlNYXVsZTdnRzBvTzRFREYyelFoRW9fWUMteFEyQnNDWVUtUm5MVkpSb00yeGdUNVEwQ1BGWQ?oc=5) · CUInsight
- 2022-03-16 [First Capital Federal Credit Union announces launch of new digital banking experience, FirstCap Connect! - CUInsight](https://news.google.com/rss/articles/CBMi2wFBVV95cUxQaUM0aUFmU2wzYUF3RjlIdGpseklKcmhtRTRWVXFDTnNidG4ybTNOSUE2eE44c3dkdmhwQ1lkblVnd3lEYVlwTE4xdUhQR19zWXlXNEZFeW9BMEZZck15ZnJqb2JUWV95V2N2WFVzeURDWURUT29lSXYxSkhYUFhzenQ4NTM3QVpzclFrY1IyQkZFTFJqZlhNYTh4TnNGbmVQRlBfc1V5aFkySU9ZU0NtTDNfMDAwbzYtR1BCUzlZMFk5eFRQVVF5OWtpZkNNcUg4cnpfU1ZNdHlzYms?oc=5) · CUInsight
- 2025-05-14 [First Capital FCU awards $6,000 in Dennis Flickinger Honorable Scholarships to members! - CUInsight](https://news.google.com/rss/articles/CBMiwwFBVV95cUxQYTBqbHU4ZzBwVGJqcXNhNmRxbXNwaVVsajR4ai1aZGFXNS1uSHJ6d2xZaXB6el9JQktuc3JIR25aOWZYSzlCZzVNOEhoOXBNN21OTk1kbFRsQ3dDU1g1dlBzWFJaOFFaNGdpVlNyZEFOdW45b2NfOWFZOXhvblhuOGQwNWd4cHRMd0hIeEQyNGZlbWVTNk5nekFjX3lZMU93Q21CYmU4YjVyVTBnc2RhVWt4bmhhdU1vRE1teXdzUkJZcWs?oc=5) · CUInsight
- 2022-03-17 [First Capital Federal Credit Union welcomes new AVP of business services! - CUInsight](https://news.google.com/rss/articles/CBMiswFBVV95cUxNZHYtUC05V1RvOVlyWmExV21jQ1JzZ0d0R09KSHc4X19PLTdrZGkxSHNXNlFmZnlBQllSbWQzd2FIc1k0TjlfNUpCZHhxQXhteGFBdkY2a1VpWXlqbE84X0UwMGc2RXQ1Ymd1Y3hLeER2bklJV0l2RTNsMDN0RnBWa1lXWUFZQWFTYTJ3V0pwazJPZFdYSkFmdjNZQU9kdTZsRWxpbnFsM0xLdHFjWVFxYlBmWQ?oc=5) · CUInsight

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24490 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/42.json (key "24490", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=24490
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide