The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

The score has been essentially flat from Q2 2025 to Q2 2026 (82 → 81).

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size credit unions in Pennsylvania

Yes. First Capital Federal Credit Union is a federally insured credit union (NCUA charter #24490). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 3.7% of shares and deposits ($12.0M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.95%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

First Capital Federal Credit Union lists 5 offices in 3 cities. Most locations:

• York, PA (3)
• Dover, PA (1)
• Manchester, PA (1)

All branch addresses and map

In 2025, First Capital Federal Credit Union reported 517 home-loan applications under HMDA (LEI 549300WETW159N5QFR97): 335 originated ($26,915,000 total), 77 denied, and 105 withdrawn or closed by the applicant. Its denial rate on decided applications was 18.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

First Capital Federal Credit Union

Type

Federal credit union

NCUA charter #

24490

RSSD ID

289999

Primary regulator

NCUA

Established

1954

Headquarters

PO Box 7746, York, PA 17404

Employees

79