1ST ED CREDIT UNION
State-Chartered • Chambersburg, Pennsylvania • Est. 1938
Quick Facts
- Charter Number
- #65412
- Type
- State-Chartered
- Established
- 1938
- Headquarters
- Chambersburg, Pennsylvania 17201
- Address
- 1156 Kennebec Dr
- Branches
- 3
- ATMs
- 1
- Members
- 7,046
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
7,046 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | 1ST ED CREDIT UNION |
|---|---|
| Total Assets | $138.8M |
| Members | 7,046 |
| Loans Outstanding | $43.6M |
| Shares & Deposits | $118.1M |
| Net Worth | $21.6M |
| Net Worth Ratio | 15.59% |
| Loan-to-Share Ratio | 36.9% |
| Delinquency Rate | 0.00% |
| Net Income | +$492,485 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
3 locations · 1 ATMs
FCTCU
Main Office1156 Kennebec Dr
Chambersburg, PA 17201
Greencastle
526 N Antrim Way
Greencastle, PA 17225
Hanover
475 Eisenhower Dr
Hanover, PA 17331-5214
Who Can Join 1ST ED CREDIT UNION?
Membership Type: Community
Membership eligibility for 1ST ED CREDIT UNION may vary. Contact the credit union directly to confirm qualification requirements.
Contact 1ST ED CREDIT UNION directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in Pennsylvania
Browse all federally insured credit unions in Pennsylvania, ranked by assets, members, and financial health score.
View Pennsylvania RankingsFrequently Asked Questions
Yes. 1ST ED CREDIT UNION is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, 1ST ED CREDIT UNION has 7,046 members and a potential membership field of 39,386 people.
1ST ED CREDIT UNION's net worth ratio is 15.59% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 15.6%, 1ST ED CREDIT UNION meets this threshold.
1ST ED CREDIT UNION operates 3 branch locations and has access to 1 ATMs. The main office is located at 1156 Kennebec Dr, Chambersburg, PA 17201.
1ST ED CREDIT UNION was established in 1938. It is a state-chartered credit union chartered under charter number 65412. The institution has been serving members for 88 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or 1ST ED CREDIT UNION. All financial data is for informational purposes only.