credit union

First County

Muncie, IN · Est. 1961
B
Trust Grade
Strong
Score: 88/100

First County is a credit union based in Muncie, Indiana, established in 1961, with $34 million in total assets serving 3,208 members. By Trust Grade it ranks 90th of 124 credit unions we track in Indiana. Its net worth ratio of 10.2% trails most similarly sized credit unions (19th percentile), versus a Indiana median of 12.8%. It was profitable over the most recent period, with a 0.58% return on assets. No consumer complaints against First County appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$34.4M
<$100M institution
Members
3,208
Shares & deposits
—
Net worth ratio
10.2%
Bottom 19% of <$100M peers · Indiana median 12.8%
Return on assets
0.6%
Bottom 49% of <$100M peers · Indiana median 0.68%
Rank in Indiana
#90
of 124 credit unions

How First County compares to Indiana peers

Net worth ratio
Bottom 19% of <$100M peers
First County
10.2%
Indiana median
12.8%
Higher capital ratio = stronger financial cushion
Return on assets
Bottom 49% of <$100M peers
First County
0.6%
Indiana median
0.7%
Higher ROA = more profitable relative to asset base

How we graded First County

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
88/100
Customer experience
n/a
Overall
B · 88
  • Well-capitalized (10.2% capital ratio)
  • Profitable (ROA 0.58%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for First County over the analysis window. For a smaller institution this is common and counts in its favor.

Are deposits at First County insured?

Yes. First County is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

First County: frequently asked questions

Is First County a good credit union?

First County earns a Bankzia Trust Grade of B (88/100, "Strong"), based on a financial-strength score of 88/100 (it has no CFPB complaints on record). Well-capitalized (10.2% capital ratio); Profitable (ROA 0.58%).

Is First County NCUA-insured?

Yes. First County is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.

How big is First County?

First County holds $34 million in total assets, ranking 90th of 124 credit unions we track in Indiana. It serves 3,208 members.

Does First County have CFPB complaints?

No CFPB complaints against First County appear in our data over the analysis window, which is typical for a credit union of this size.

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Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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