Sep, 30, 2025 — FIRST CAPITAL FEDERAL CREDIT UNION is a federal credit union headquartered in YORK, PA with 6 branch locations and about $356.60 million in total assets. Opened 72 years ago in 1954, FIRST CAPITAL FEDERAL CREDIT UNION has about 21,273 members and employs 74 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | FIRST CAPITAL FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 1601 Kenneth Rd YORK, PA 17408-2228 |
| Phone: | (717) 767-5551 |
| Fax: | (717) 767-6207 |
| Website: | https://www.firstcapitalfcu.com |
| Branches: | 6 branch locations |
| Members: | 21,273 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 24490 |
|---|---|
| Membership Type: | Multiple common bond - Primarily machinery |
| Corporate Credit Union: | No |
| Year Opened: | 1954 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $356,597,246 |
| CEO/Manager: | Susan L DeStephano |
| Chairperson: | Stewart S Olewiler |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 90,009,054 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 120,138,260 |
| Unsecured Loans | 15,549,743 |
| Other Loans | 58,910,102 |
| TOTAL LOANS | 194,598,105 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -1,020,367 |
| Land And Building | 5,216,543 |
| Other Fixed Assets | 1,397,122 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 2,750,378 |
| All Other Assets | 46,905 |
| TOTAL ASSETS | 356,597,246 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 1,922,836 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 69,813,530 |
| Regular shares | 116,255,793 |
| All Other Shares & Deposits | 128,050,744 |
| TOTAL SHARES & DEPOSITS | 314,120,068 |
| TOTAL LIABILITIES | 316,042,904 |
| Regular Reserve | 0 |
| Other Reserves | 610,468 |
| Undivided Earnings | 39,943,874 |
| TOTAL EQUITY | 40,554,342 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 356,597,246 |
| INCOME & EXPENSE | |
| Loan Income | 7,842,917 |
| Investment Income | 3,873,063 |
| Other Income | 1,445,287 |
| Total Employee Compensation & Benefits | 4,402,082 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 4,597,336 |
| Non-operating Income & (Expense) | 273,859 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 100,021 |
| Cost of Funds | 2,776,020 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 3,370,529 |
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