TellerScore

Headquartered in Pasadena, California, First City Credit Union is a federally insured state-chartered credit union with $948.5M in total assets and $816.2M in member shares and deposits as of Q2 2026. It operates 7 offices. Its charter dates back to 1937.

Based on its Q2 2026 filing, First City Credit Union scores 78/100, which we describe as strong. That is higher than 74% of 1,341 credit unions with $100 million – $1 billion. Among 238 credit unions headquartered in California, it ranks 67th. Its strongest component is funding & liquidity (100/100; 57% loans-to-deposits, 11% uninsured), and its lowest is earnings (38/100; 0.44%).

TellerScore · Q2 2026

Scorecard

Capital cushion85/100
Net worth ratio: 13.52%
Loan quality81/100
Loans 60+ days delinquent ÷ total loans: 0.58%
Earnings38/100
Return on assets (annualized): 0.44%
Funding & liquidity100/100
Loans ÷ shares: 57.0% · 11.5% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.20%

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.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (77 → 78).

TellerScore
778082Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202482
Q3 202477
Q4 202479
Q1 202577
Q2 202577
Q3 202579
Q4 202579
Q1 202677
Q2 202678
Net worth ratio
7.00%10.43%13.86%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.67%
Q3 202413.53%
Q4 202413.86%
Q1 202513.35%
Q2 202513.42%
Q3 202513.53%
Q4 202513.46%
Q1 202613.35%
Q2 202613.52%
Delinquent loans (60+ days)
0.25%0.48%0.70%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.25%
Q3 20240.70%
Q4 20240.58%
Q1 20250.48%
Q2 20250.61%
Q3 20250.32%
Q4 20250.42%
Q1 20260.56%
Q2 20260.58%
Return on assets
0.28%0.41%0.54%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.54%
Q3 20240.53%
Q4 20240.47%
Q1 20250.28%
Q2 20250.40%
Q3 20250.34%
Q4 20250.35%
Q1 20260.41%
Q2 20260.44%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$948.5M13.52%0.58%0.44%57.0%
Q1 202677$952.4M13.35%0.56%0.41%55.9%
Q4 202579$937.4M13.46%0.42%0.35%55.3%
Q3 202579$927.6M13.53%0.32%0.34%55.3%
Q2 202577$931.3M13.42%0.61%0.40%51.5%
Q1 202577$927.2M13.35%0.48%0.28%51.2%
Q4 202479$888.4M13.86%0.58%0.47%53.6%
Q3 202477$908.1M13.53%0.70%0.53%50.4%
Q2 202482$889.4M13.67%0.25%0.54%50.2%

1,341 peers · $100 million – $1 billion

How it compares with peers

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

Capital ratio13.52%
74th
Problem loans0.58%
57th
Net charge-offs0.65%
23rd
Return on assets0.44%
26th
Loans to deposits57.0%
82nd
Uninsured deposits11.5%
12th
Loan-loss reserves0.00%
50th
Texas ratio2.2%
73rd

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Altaone Federal Credit UnionCredit union Ridgecrest, CA57 out of 100, Moderate$967.2M9.2%0.70%vs
Certified Federal Credit UnionCredit union El Monte, CA88 out of 100, Very strong$925.3M20.7%0.37%vs
Community First Credit UnionCredit union Santa Rosa, CA64 out of 100, Moderate$921.0M10.3%1.22%vs
Merced School Employees Federal Credit UnionCredit union Merced, CA81 out of 100, Strong$899.0M11.8%0.44%vs
Sun Community Federal Credit UnionCredit union El Centro, CA56 out of 100, Moderate$895.6M8.4%0.25%vs
Oceanair Federal Credit UnionCredit union Oxnard, CA49 out of 100, Below average$882.5M7.4%0.48%vs

Deposit insurance

Is my money safe at First City Credit Union?

Yes. First City Credit Union is a federally insured credit union (NCUA charter #68503). 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 11.5% of shares and deposits ($93.6M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 13.52%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

7 locations

Branches

First City Credit Union lists 7 offices in 7 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
First City Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68503
RSSD ID
1004779
Primary regulator
State + NCUA
Established
1937
Headquarters
PO Box 93727, Pasadena, CA 91109
Employees
121

Quick answers

First City Credit Union: common questions

Is First City Credit Union NCUA insured?

Yes. First City Credit Union is a federally insured credit union (NCUA charter #68503). 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.

What is First City Credit Union's TellerScore?

78 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does First City Credit Union have?

7 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Pasadena

InstitutionScoreAssetsCapitalProblem loansCompare
The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA100 out of 100, Very strong$1.4B63.5%0.00%vs
California Adventist Federal Credit UnionCredit union Glendale, CA89 out of 100, Very strong$44.7M20.1%0.04%vs
Asian Pacific National BankBank San Gabriel, CA89 out of 100, Very strong$56.9M20.1%0.00%vs
American Plus Bank, N.A.Bank Arcadia, CA88 out of 100, Very strong$935.0M16.5%0.04%vs
L. A. Electrical Workers Credit Un. Credit UnionCredit union Pasadena, CA88 out of 100, Very strong$54.8M19.8%0.08%vs
Certified Federal Credit UnionCredit union El Monte, CA88 out of 100, Very strong$925.3M20.7%0.37%vs