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First Commonwealth FCU AI Score

Credit union in Lehigh Valley, PA · NCUA charter #12765 · Federal charter

Legal name: First Commonwealth

Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.

Total assets$1.47B
Total loans & leases$1.13B
Total shares & deposits$1.32B
Members98,470
Net worth$147M
Net worth / assets10.02%
Loans / assets77.14%
Return on assets (annualized)0.68%
Loan growth (YoY)3.75%
Member growth (YoY)3.52%
Delinquency, all loans (60+ days)1.53%
CharterFederal charter
Asset band$1B–$5B
NCUA peer groupover $500M
Sponsor typeService (finance, health, transport, utilities)

AI readiness

AI Score: 3 of 5 stars, AI connected to internal credit-union data

An AI system works on the credit union's own data: a member-facing assistant answering from its accounts or knowledge base, AI analytics or personalisation on member data, machine-learning fraud detection on its transactions.

First Commonwealth FCU's own website tells members it offers an AI-powered assistant that answers questions and helps with common tasks, which is a member-facing assistant working from the credit union's own information. No public evidence was found of AI making decisions inside lending, collections or other workflows.

Filed signals, from the credit union's own NCUA call report (Q2 2026): uses fintech partners, fintech unsecured lending, online membership application, online loan application, online account opening, online loan payments, bill payment, account aggregation, e-signature, e-Statements, external transfers / ACH, remote deposit capture, mobile payments. These are relationships and channels, not AI as such.

The AI Score runs from one to five stars; one star, no public evidence, is never shown on a credit union. Scores and sources for every credit union: CU AI Ready Report.

In the explorer: ten-year history for every metric, balance sheet and income statement drill-downs, percentile rankings against asset-size peers, leaders and board, branches, and growth opportunities.

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