Charter 12765 · Lehigh Valley, PA
First Commonwealth Federal Credit Union
First Commonwealth Federal Credit Union is a federally chartered credit union in Lehigh Valley, Pennsylvania, with $1.47 billion in assets and 98,474 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 10.12%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $1.47 billion
- +3.6% in a year
- Members
- 98,474
- +3.5% in a year
- Net worth ratio
- 10.12%
- Peer median 10.79%
- Loans 60+ days late
- 1.53%
- Peer median 0.67%
- Loans outstanding
- $1.13 billion
- +3.7% in a year
- Shares and deposits
- $1.32 billion
- +3.1% in a year
- Branches
- 16
- 242 employees
- Opened
- 1959
- Federal charter
How First Commonwealth Federal Credit Union compares
NCUA groups credit unions by size; First Commonwealth Federal Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 10.12% is lower than that group's median of 10.79%, and its share of loans 60 or more days past due, 1.53%, is higher than the group median of 0.67%. Loans grew 3.7% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 12 of 269 credit unions headquartered in Pennsylvania. See all Pennsylvania credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $1.47 billion | 98,474 | $1.13 billion | 10.12% | 1.53% |
| Q1 2026 | $1.48 billion | 98,419 | $1.11 billion | 10.01% | 1.02% |
| Q4 2025 | $1.45 billion | 97,556 | $1.13 billion | 9.99% | 1.23% |
| Q3 2025 | $1.41 billion | 96,532 | $1.12 billion | 9.94% | 1.23% |
| Q2 2025 | $1.42 billion | 95,128 | $1.09 billion | 10.01% | 1.29% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 720,110 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 17 sites for First Commonwealth Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Easton
4300 William Penn Hwy, Easton, PA 18045 - Kutztown
15093 Kutztown Rd, Kutztown, PA 19530 - Fogelsville
7627 Tilghman St, Allentown, PA 18106 - Crawford
5500 Crawford Dr, Bethlehem, PA 18017 - Northwood
3515 Nazareth Rd, Easton, PA 18045 - Lehighton Financial Center
1235 Blakeslee Blvd, Lehighton, PA 18235 - Emmaus
1080 Chestnut St, Emmaus, PA 18049 - Whitehall
2752 Macarthur Rd, Whitehall, PA 18052 - Trexlertown Corporate Office (main office)
6126 Hamilton Blvd Ste 100, Allentown, PA 18106 - Trexlertown
6084 Hamilton Blvd, Allentown, PA 18106 - Downtown Allentown
840 W Hamilton St, Allentown, PA 18101 - Phillipsburg
501 Baltimore St, Phillipsburg, NJ 08865 - Sinking Spring
2 Cloister Ct, Sinking Spring, PA 19608 - Wyomissing
609 Spring St, Wyomissing, PA 19610 - Easton Micro
902 Philadelphia Rd, Easton, PA 18042 - Phoebe Berks
1 Reading Dr, Wernersville, PA 19565 - Allentown Commons Financial Center
1420 Hanover Ave, Allentown, PA 18109
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology