First Area
First Area is a credit union based in Lewistown, Pennsylvania, established in 1961, with $31 million in total assets serving 2,621 members. By Trust Grade it ranks 196th of 271 credit unions we track in Pennsylvania. Its net worth ratio of 9.5% trails most similarly sized credit unions (13th percentile), versus a Pennsylvania median of 13.2%. It was profitable over the most recent period, with a 1.28% return on assets. No consumer complaints against First Area appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How First Area compares to Pennsylvania peers
How we graded First Area
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (9.5% capital ratio)
- Strongly profitable (ROA 1.28%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for First Area over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at First Area insured?
Yes. First Area 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 Area: frequently asked questions
Is First Area a good credit union?
First Area earns a Bankzia Trust Grade of B (89/100, "Strong"), based on a financial-strength score of 89/100 (it has no CFPB complaints on record). Well-capitalized (9.5% capital ratio); Strongly profitable (ROA 1.28%).
Is First Area NCUA-insured?
Yes. First Area 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 Area?
First Area holds $31 million in total assets, ranking 196th of 271 credit unions we track in Pennsylvania. It serves 2,621 members.
Does First Area have CFPB complaints?
No CFPB complaints against First Area 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.
