State credit union · WAUKESHA, Wisconsin · NCUA charter #67022
1st Class Express
Health score 74/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $2.1M
- Total assets
- 627
- Members
- 19.4%
- Net-worth ratio
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.
1st Class Express - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)97
- Earnings (ROA)0
- Member growth28
- Liquidity (loan-to-share)100
Weighted composite: 74/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 19.36%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 19.36% | 30% |
| Delinquency Rate | 0.56% | 25% |
| Return on Assets | -1.15% | 15% |
| Member Growth | -2.64% | 15% |
| Loan-to-Share Ratio | 86.35% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About 1st Class Express
Charter #67022, peer group $2M–$10M, a cohort of 566 similarly-sized institutions: that's 1st Class Express, a state credit union in WAUKESHA, Wisconsin with 627 members, $2.1M in total assets, and $1.3M in outstanding loans as of Q4 2025. The five-factor composite scores it 74/100 (Very Good), helped by a net worth ratio of 19.36% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Deposits deployed into lending sit at a 86.35% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Loan quality, meanwhile, shows 0.56% of the book 60+ days past due - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Return on assets stands at -1.15% on net income of $-23822 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -2.64%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Wisconsin
More federally-insured credit unions based in Wisconsin, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 19.36% 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 19.36% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.