First Community
First Community is a credit union based in Houston, Texas, established in 1954, with $3.0 billion in total assets serving 186,819 members. By Trust Grade it ranks 299th of 379 credit unions we track in Texas. Its net worth ratio of 8.1% trails most similarly sized credit unions (3th percentile), versus a Texas median of 13.5%. It was profitable over the most recent period, with a 0.90% return on assets. No consumer complaints against First Community appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How First Community compares to Texas peers
How we graded First Community
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (8.1% capital ratio)
- Profitable (ROA 0.90%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for First Community over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at First Community insured?
Yes. First Community is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
First Community: frequently asked questions
Is First Community a good credit union?
First Community earns a Bankzia Trust Grade of B (83/100, "Strong"), based on a financial-strength score of 83/100 (it has no CFPB complaints on record). Well-capitalized (8.1% capital ratio); Profitable (ROA 0.90%).
Is First Community NCUA-insured?
Yes. First Community is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is First Community?
First Community holds $3.0 billion in total assets, ranking 299th of 379 credit unions we track in Texas. It serves 186,819 members.
Does First Community have CFPB complaints?
No CFPB complaints against First Community appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
