FIRST CAPITAL
Federal • York, Pennsylvania • Est. 1954
Quick Facts
- Charter Number
- #24490
- Type
- Federal
- Established
- 1954
- Headquarters
- York, Pennsylvania 17404-0746
- Address
- PO Box 7746
- Branches
- 6
- ATMs
- 4
- Members
- 21,289
- 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
21,289 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | FIRST CAPITAL |
|---|---|
| Total Assets | $368.9M |
| Members | 21,289 |
| Loans Outstanding | $197.2M |
| Shares & Deposits | $324.6M |
| Net Worth | $41.8M |
| Net Worth Ratio | 11.77% |
| Loan-to-Share Ratio | 60.8% |
| Delinquency Rate | 0.23% |
| Net Income | +$4,871,044 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
6 locations · 4 ATMs
Main Office
Main Office1601 Kenneth Rd
York, PA 17408-2228
South York
2602 Course Rd
York, PA 17402
East York-Eastern Blvd
2801 Eastern Blvd
York, PA 17402
Eagles Nest
4500 Intermediate Ave
Dover, PA 17315
Manchester Branch
4157 N George Street Ext
Manchester, PA 17345-1311
Who Can Join FIRST CAPITAL?
Membership Type: Community
Membership eligibility for FIRST CAPITAL may vary. Contact the credit union directly to confirm qualification requirements.
Contact FIRST CAPITAL directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Pennsylvania RankingsFrequently Asked Questions
Yes. FIRST CAPITAL 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, FIRST CAPITAL has 21,289 members and a potential membership field of 127,481 people.
FIRST CAPITAL's net worth ratio is 11.77% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 11.8%, FIRST CAPITAL meets this threshold.
FIRST CAPITAL operates 6 branch locations and has access to 4 ATMs. The main office is located at 1601 Kenneth Rd, York, PA 17408-2228.
FIRST CAPITAL was established in 1954. It is a federal credit union chartered under charter number 24490. The institution has been serving members for 72 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or FIRST CAPITAL. All financial data is for informational purposes only.