Credit union · NCUA insured
First County FCU
Top CarrotA $34.4M credit union headquartered in Muncie, IN, with 3,208 members and 2 branches in Indiana. Best rates: CDs 3.51% APY.
First County FCU Carrot Score
Carrot ScoreTop Carrot
Higher than 80% of U.S. banks and credit unions
#3 of 10 in Muncie, IN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About First County FCU
Founded in 1961 as C.M. Employees Federal Credit Union, First County Federal Credit Union is a member-owned financial cooperative headquartered in Muncie, Indiana.
The institution was renamed Avondale Federal Credit Union before transitioning to a community charter and adopting its current name in 2004.
Operating two branch offices in Muncie, the credit union focuses on promoting member thrift and providing provident and productive credit.
- Headquarters
- 1100 W 11th St, Muncie, IN 47302-2232
- NCUA charter
- 14163
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, attends school, or goes to church in Delaware County (or Muncie), Indiana.
Branches
2 branches in Indiana
Loading map…
Indiana
2 branches
- Main Office-1100 W 11th StMain office1100 W 11th St, Muncie, IN 47302Directions
- Elm Street Branch1805 N Elm St, Muncie, IN 47303Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.18% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.94% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.54% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $43 | $59 | — |
- CapitalNet worth ratio10.18%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.94%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.54%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$43Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of First County FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.