First Capital
First Capital is a credit union based in York, Pennsylvania, established in 1954, with $371 million in total assets serving 21,316 members. By Trust Grade it ranks 89th of 271 credit unions we track in Pennsylvania. Its net worth ratio of 11.8% is stronger than 58% of similarly sized credit unions, versus a Pennsylvania median of 13.2%. It was profitable over the most recent period, with a 0.98% return on assets. No consumer complaints against First Capital appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How First Capital compares to Pennsylvania peers
How we graded First Capital
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (11.8% capital ratio)
- Profitable (ROA 0.98%)
- No CFPB complaints on record
The Trust Grade is Bankzia’s independent, documented opinion computed from public FDIC/NCUA/CFPB data — not an official rating, and not a statement about the safety of insured deposits. Report a data error or dispute this grade →
Consumer complaints (CFPB)
No CFPB complaints are on file for First Capital over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at First Capital insured?
Yes. First Capital 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 Capital: frequently asked questions
Is First Capital a good credit union?
First Capital earns a Bankzia Trust Grade of A (97/100, "Excellent"), based on a financial-strength score of 97/100 (it has no CFPB complaints on record). Strongly capitalized (11.8% capital ratio); Profitable (ROA 0.98%).
Is First Capital NCUA-insured?
Yes. First Capital 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 Capital?
First Capital holds $371 million in total assets, ranking 89th of 271 credit unions we track in Pennsylvania. It serves 21,316 members.
Does First Capital have CFPB complaints?
No CFPB complaints against First Capital 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.
