First Commonwealth
First Commonwealth is a credit union based in Lehigh Valley, Pennsylvania, established in 1959, with $1.5 billion in total assets serving 98,419 members. By Trust Grade it ranks 213th of 271 credit unions we track in Pennsylvania. Its net worth ratio of 10.0% trails most similarly sized credit unions (32th percentile), versus a Pennsylvania median of 13.2%. It was profitable over the most recent period, with a 0.58% return on assets. No consumer complaints against First Commonwealth appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How First Commonwealth compares to Pennsylvania peers
How we graded First Commonwealth
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (10.0% capital ratio)
- Profitable (ROA 0.58%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for First Commonwealth over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at First Commonwealth insured?
Yes. First Commonwealth 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 Commonwealth: frequently asked questions
Is First Commonwealth a good credit union?
First Commonwealth earns a Bankzia Trust Grade of B (87/100, "Strong"), based on a financial-strength score of 87/100 (it has no CFPB complaints on record). Well-capitalized (10.0% capital ratio); Profitable (ROA 0.58%).
Is First Commonwealth NCUA-insured?
Yes. First Commonwealth 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 Commonwealth?
First Commonwealth holds $1.5 billion in total assets, ranking 213th of 271 credit unions we track in Pennsylvania. It serves 98,419 members.
Does First Commonwealth have CFPB complaints?
No CFPB complaints against First Commonwealth appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
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.
