Community First Credit Union
Total assets
$6.66B
▲ +8.3% YoY
Shares & deposits
$5.78B
▲ +7.8% YoY
Loans
$4.93B
▲ +12.4% YoY
Members
165,633
▲ +2.9% YoY
ROA (annualized)
1.40%
peers 0.71%
ROE (annualized)
10.99%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.3% | +5.1% | +3.1 pts |
| Share growth (YoY) | +7.8% | +4.9% | +3.0 pts |
| Loan growth (YoY) | +12.4% | +5.4% | +7.0 pts |
| ROA | 1.40% | 0.71% | +0.7 pts |
| ROE | 11.0% | 6.3% | +4.7 pts |
ROA ranks in the 91st percentile of its peer group · Q1 2026
Profile
- Established
- 1975
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- Po Box 1487, Appleton, WI, 54912
- NCUA charter #
- 66642
- RSSD ID
- 813394
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $6.66B | $5.78B | $4.93B | $851.3M | $23.4M | 1.40% | 2.33% | 0.15% | 165,633 |
| Q4 2025 | $6.37B | $5.51B | $4.79B | $827.9M | $81.5M | 1.28% | 2.21% | 0.15% | 164,558 |
| Q3 2025 | $6.27B | $5.43B | $4.70B | $806.6M | $60.2M | 1.28% | 2.17% | 0.14% | 163,614 |
| Q2 2025 | $6.23B | $5.41B | $4.54B | $784.2M | $37.7M | 1.21% | 2.08% | 0.13% | 162,511 |
| Q1 2025 | $6.15B | $5.36B | $4.39B | $765.7M | $17.5M | 1.14% | 1.99% | 0.12% | 160,926 |
| Q4 2024 | $6.03B | $5.26B | $4.23B | $748.2M | $66.3M | 1.10% | 1.93% | 0.12% | 159,598 |
| Q3 2024 | $5.94B | $5.18B | $4.13B | $732.2M | $50.4M | 1.13% | 1.94% | 0.12% | 158,878 |
| Q2 2024 | $5.78B | $5.04B | $4.06B | $716.0M | $33.8M | 1.17% | 1.95% | 0.10% | 157,883 |
Loan mix (Q1 2026): real estate $2.32B · commercial $1.81B · consumer $693.1M · securities $526.7M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.40% | 0.71% | 91th | |
Return on equity Annualized net income ÷ equity or net worth | 11.0% | 6.3% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.33% | 3.32% | 6th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.1% | 73.0% | 1th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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