State credit union · WAUKESHA, Wisconsin · NCUA charter #67022
1st Class Express
Health score 74/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $2.1M
- Total assets
- 627
- Members
- 24.3%
- Net-worth ratio
1st Class Express scores 74/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.1M; members 627; net-worth ratio 24.28%; health rank #3,313 of 4,374; healthier than 23rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,313 of 4,374 health · 2025Q41st Class Express · health 74/100 · $2.1M · 2025Q4
- ASSETS 74/100
- MEM 24.3%
- RANK 0.56%
- PHOTO -1.15%
- BOOK $2.1M
- CHARTER 627
- NCUSIF #3,313/4,374
- CAMELS n/a
- HEALTH 67022
Call Report peers
1st Class Express carries $2.1M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
1st Class Express vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
74 23rd percentile higher than 23% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
1st Class Express - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #67022: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Where 1st Class Express diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 86.35% here, 63.60% peer average (+22.75 pp).
- Widest shortfall vs peers is Return on Assets: -1.61 pp (-1.15% vs 0.45%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Wisconsin standing for 1st Class Express
- In Wisconsin, health place is #89 of 100 on the same NCUA-ratio sort used nationally.
- Assets rank #96 of 100 inside Wisconsin ($2.1M reported).
- Membership ranks #93 of 100 among Wisconsin CUs with a reported count (627 members).
In-state ordinals use the live credit_unions table for WI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
1st Class Express: 2025Q4 → 2026Q1
1st Class Express: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.7% from $2.1M (2025Q4) to $2.1M (2026Q1).
- Net-worth ratio shifted -0.02 pp (24.30% → 24.28%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 24.28%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 74/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 74.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.4 pts
- Return on Assets 0.0 pts
- Member Growth 4.2 pts
- Loan-to-Share Ratio 15.4 pts
1st Class Express health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 24.28% | +5.22 pp |
| Delinquency Rate | 0.56% | -1.25 pp |
| Return on Assets | -1.15% | -1.61 pp |
| Member Growth | -2.64% | - |
| Loan-to-Share Ratio | 86.35% | +22.75 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
1st Class Express filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.1M | - |
| 2025Q4 | $2.1M | 627 |
| 2024Q4 | $2.3M | 644 |
| 2023Q4 | $2.6M | 647 |
Credit Union Details
- Charter Number
- 67022
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Wisconsin
- City
- WAUKESHA
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, 1st Class Express runs 4 offices in 3 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Waukesha, WI |
| Brookfield Post Office | Brookfield, WI |
| New Berlin Post Office | New Berlin, WI |
| Waukesha Post Office | Waukesha, WI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Wisconsin
More federally-insured credit unions based in Wisconsin, ordered by peer group match and asset size.
Cross-state Call Report peers for 1st Class Express
Two NCUA Call Report peer sets for 1st Class Express, both outside Wisconsin so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (74/100 here).
Using this data
- 1st Class Express ranks #3,313 of 4,374 nationally on financial health and #89 of 100 in WI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Air Tech is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Air Tech
- Rates and health both vary by institution, not just by state -- see how Wisconsin credit unions compare overall before assuming this one is typical. Wisconsin state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is 1st Class Express financially healthy?
1st Class Express has a financial health score of 74/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,313 of 4,374; by total assets it ranks #4,120 of 4,374 nationally (same basis as /rankings/largest); and #96 of 100 within Wisconsin. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 24.28% and delinquency rate of 0.56%.
How does 1st Class Express compare to other credit unions?
PlainCU's health composite puts 1st Class Express at 74/100, compared to a peer group average for $2M–$10M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join 1st Class Express?
Membership eligibility for 1st Class Express depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact 1st Class Express directly for current membership requirements and application steps.
Is my money safe at 1st Class Express?
Federal credit unions like 1st Class Express are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. 1st Class Express's net worth ratio of 24.28% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does 1st Class Express offer compared to banks?
Credit unions like 1st Class Express are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact 1st Class Express directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.