State credit union · Sparta, Wisconsin · NCUA charter #67012
1st Community
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $280.6M
- Total assets
- 15,727
- Members
- 9.6%
- Net-worth ratio
1st Community scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $280.6M; members 15,727; net-worth ratio 9.60%; health rank #694 of 4,374; healthier than 84th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#694 of 4,374 health · 2025Q41st Community · health 93/100 · $280.6M · 2025Q4
- ROA 93/100
- ASSETS 9.6%
- MEM 0.71%
- RANK 0.75%
- PHOTO $280.6M
- BOOK 15,727
- CHARTER #694/4,374
- NCUSIF Advantage Plus
- CAMELS 67012
Call Report peers
1st Community in the assets neighbourhood
1st Community's $280.6M assets sit next to Advantage Plus ($280.6M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
1st Community 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
93 Top 16% higher than 84% 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 Community - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #67012, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
1st Community: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 88.17% here, 72.20% peer average (+15.97 pp).
- Largest lag: Net Worth Ratio at 9.60% vs peer 12.11% (-2.51 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where 1st Community sits in Wisconsin
- Health composite ranks #27 of 100 among scored Wisconsin credit unions.
- By total assets, 1st Community is #32 of 100 in Wisconsin.
- Wisconsin membership ordinal: #33 of 100.
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 Community: 2025Q4 → 2026Q1
1st Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.5% from $280.6M (2025Q4) to $284.8M (2026Q1).
- Net-worth ratio shifted -0.15 pp (9.75% → 9.60%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 9.60% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 93/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- Net Worth Ratio 29.0 pts
- Delinquency Rate 22.9 pts
- Return on Assets 15.0 pts
- Member Growth 10.6 pts
- Loan-to-Share Ratio 15.5 pts
1st Community vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.60% | -2.51 pp |
| Delinquency Rate | 0.71% | -0.19 pp |
| Return on Assets | 0.75% | +0.13 pp |
| Member Growth | 1.34% | - |
| Loan-to-Share Ratio | 88.17% | +15.97 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
1st Community quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $284.8M | - |
| 2025Q4 | $280.6M | 15,727 |
| 2024Q4 | $266.5M | 15,519 |
| 2023Q4 | $274.1M | 15,260 |
Credit Union Details
- Charter Number
- 67012
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Wisconsin
- City
- Sparta
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, 1st Community runs 4 offices in 3 different cities.
| Office | City |
|---|---|
| 1st CCU Sparta (Main Office) | Sparta, WI |
| Sparta Lending Admin | Sparta, WI |
| 1st CCU Tomah | Tomah, WI |
| 1st CCU West Salem | West Salem, 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.
1st Community nationwide neighbourhoods
Cross-state asset and health neighbours for 1st Community - kept outside Wisconsin; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($280.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
Using this data
- 1st Community ranks #694 of 4,374 nationally on financial health and #27 of 100 in WI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- GUARDIAN is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with GUARDIAN
- 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 Community financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, 1st Community carries a financial health score of 93/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #694 of 4,374; by total assets it ranks #1,071 of 4,374 nationally (same basis as /rankings/largest); and #32 of 100 within Wisconsin. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.60% net worth ratio and a 0.71% delinquency rate.
How does 1st Community compare to other credit unions?
PlainCU's health composite puts 1st Community at 93/100, compared to a peer group average for $100M–$500M 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 Community?
Membership eligibility for 1st Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact 1st Community directly for current membership requirements and application steps.
Is my money safe at 1st Community?
Federal credit unions like 1st Community 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 Community's net worth ratio of 9.60% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does 1st Community offer compared to banks?
Credit unions like 1st Community 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 Community 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.