Federal credit union · Miles City, Montana · NCUA charter #8588
Community 1st
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $41.6M
- Total assets
- 3,895
- Members
- 10.8%
- Net-worth ratio
Community 1st scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $41.6M; members 3,895; net-worth ratio 10.79%; health rank #1,482 of 4,374; healthier than 65th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,482 of 4,374 health · 2025Q4Community 1st · health 88/100 · $41.6M · 2025Q4
- BOOK 88/100
- CHARTER 10.8%
- NCUSIF 1.06%
- CAMELS 0.94%
- HEALTH $41.6M
- NW 3,895
- DELQ #1,482/4,374
- ROA Knoxville Law Enforcement
- ASSETS 8588
Call Report peers
Community 1st in the assets neighbourhood
Community 1st's $41.6M assets sit next to Knoxville Law Enforcement ($41.6M) 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.
Community 1st 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
88 Top 35% higher than 65% 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
Community 1st - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #8588: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Peer-gap read for Community 1st
- Loan-to-Share Ratio leads the peer set - 91.59% here, 59.80% peer average (+31.79 pp).
- Widest shortfall vs peers is Net Worth Ratio: -4.07 pp (10.79% vs 14.86%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Community 1st in Montana
- Montana health ordinal: #19 of 41.
- Montana assets place: #22 of 41.
- Montana membership ordinal: #19 of 41.
In-state ordinals use the live credit_unions table for MT only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Community 1st Call Report trajectory
Community 1st: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.8% from $41.6M (2025Q4) to $44.1M (2026Q1).
- Net-worth ratio shifted -0.48 pp (11.27% → 10.79%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 10.79% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 88/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.5 pts
- Return on Assets 15.0 pts
- Member Growth 9.5 pts
- Loan-to-Share Ratio 14.0 pts
Call Report ratios for Community 1st
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.79% | -4.07 pp |
| Delinquency Rate | 1.06% | -0.08 pp |
| Return on Assets | 0.94% | +0.24 pp |
| Member Growth | 0.41% | - |
| Loan-to-Share Ratio | 91.59% | +31.79 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Community 1st quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $44.1M | - |
| 2025Q4 | $41.6M | 3,895 |
| 2024Q4 | $39.1M | 3,879 |
| 2023Q4 | $40.3M | 3,848 |
Credit Union Details
- Charter Number
- 8588
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Montana
- City
- Miles City
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Community 1st runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Miles City, MT |
| Ekalaka Branch | Ekalaka, MT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Montana
Other federally-insured credit unions in Montana, closest first by peer group and asset size.
Other-state peers near Community 1st
Two NCUA Call Report peer sets for Community 1st, both outside Montana so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($41.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
Using this data
- Community 1st ranks #1,482 of 4,374 nationally on financial health and #19 of 41 in MT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- BADLANDS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with BADLANDS
- Rates and health both vary by institution, not just by state -- see how Montana credit unions compare overall before assuming this one is typical. Montana 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 Community 1st financially healthy?
A 10.79% net worth ratio and a 1.06% delinquency rate feed into Community 1st's financial health score of 88/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,482 of 4,374; by total assets it ranks #2,559 of 4,374 nationally (same basis as /rankings/largest); and #22 of 41 within Montana. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Community 1st compare to other credit unions?
Community 1st scores 88/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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 Community 1st?
Community 1st operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Community 1st directly for the exact boundaries and application steps.
Is my money safe at Community 1st?
Federal credit unions like Community 1st 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. Community 1st's net worth ratio of 10.79% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Community 1st offer compared to banks?
Credit unions like Community 1st 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 Community 1st 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.