FIRST CAPITAL Credit Union Profile

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FIRST CAPITAL

Charter #24490 | NCUA Region 1 | FCU
Low-Income Designation: No
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (717) 767-5551

Fax: (717) 767-6207

Founding Date: N/A

Website: http://www.firstcapitalfcu.com

Personnel & Operations

President: Olewiler, Stewart

Manager: DeStephano, Susan

FT Employees: 67

PT Employees: 6

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 43

Branches: 6

Hours: MTW 8:00-5:00; RF 8:00-6:00 Sat - 9:00-12:0

Credit Union Profile Summary

FIRST CAPITAL is a FCU Credit Union. With a total of 21,136 members [1], this institution manages approximately $349,268,616 in total assets [1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 11.76% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 1.95% [1].

Financial Snapshot

Total Assets [1]
$349,268,616

Total economic resources.

Total Loans [1]
$195,546,605

Total value of outstanding loans.

Total Deposits [1]
$308,297,114

Total funds deposited by members.

Members [1]
21,136

Number of active members.

Performance Ratios

Net Worth Ratio [1]
11.76%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
1.28%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
63.43%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 11.40%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↑ 1.95%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↑ 1.85%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

1601 Kenneth Rd

York, PA, 17408-2228
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 4 branches reported by FIRST CAPITAL (Charter #24490).

Main Office

Main Office Main Office

Type: Corporate Office

1601 Kenneth Rd

York, PA 17408-2228

Phone: (717) 767-5551

Services: Member Services, ATM, Drive-Thru

Open in Directions

Additional Branches

Dover

Eagles Nest

Type: Branch Office

4500 Intermediate Ave

Dover, PA 17315

Phone: (717) 767-5551

Services: Member Services

Open in Directions

York

East York-Eastern Blvd

Type: Branch Office

2801 Eastern Blvd

York, PA 17402

Phone: (717) 505-0037

Services: Member Services, ATM, Drive-Thru

Open in Directions

South York

Type: Branch Office

2602 Course Rd

York, PA 17402

Phone: (717) 767-5551

Services: Member Services, ATM, Drive-Thru

Open in Directions