FIRST CAPITAL
Charter #24490 · York, PA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 21,316 ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.19% sits at the 25th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.18% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.07% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | FIRST CAPITAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $370.69M | 85th pct | 75th pct |
| Members | 21,316 | 80th pct | 77th pct |
| Net worth ratio | 11.81% | 54th pct | 51th pct |
| Return on average assets | 0.98% | 68th pct | 56th pct |
| Net interest margin | 3.19% | 23th pct | 25th pct |
| Cost of funds | 1.24% | 52th pct | 54th pct |
| Loan-to-share | 61.02% | 29th pct | 36th pct |
| Delinquency 60+ days | 0.18% | 12th pct | 8th pct |
| Net charge-off ratio | 0.07% | 14th pct | 15th pct |
| Loan growth YoY | 2.04% | 67th pct | 67th pct |
| Share growth YoY | 3.60% | 53th pct | 51th pct |
| Efficiency ratio | 76.50% | 42th pct | 51th pct |
structural peer set hash: 5115ec56cdeab40b54d80836bdaf58c9… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.