State credit union · Ottumwa, Iowa · NCUA charter #68510
Community 1st
Health score 69/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 69
- Health / 100
- $1.07B
- Total assets
- 72,306
- Members
- 10.5%
- Net-worth ratio
Community 1st scores 69/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.07B; members 72,306; net-worth ratio 10.49%; health rank #3,657 of 4,374; healthier than 16th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,657 of 4,374 health · 2025Q4Community 1st · health 69/100 · $1.07B · 2025Q4
Call Report peers
Community 1st in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Community 1st sits in 65-69 with 275 others.
69 16th percentile higher than 16% 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
Where Community 1st diverges from peer averages
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +12.87 pp (96.77% vs 83.90%).
- Largest lag: Delinquency Rate at 3.52% vs peer 0.87% (+2.65 pp).
Community 1st: in-state Call Report ranks
- Health composite ranks #57 of 66 among scored Iowa credit unions.
- Assets rank #6 of 66 inside Iowa ($1.07B reported).
- Membership ranks #5 of 66 among Iowa CUs with a reported count (72,306 members).
- One place up in Iowa, PREMIER (#56) scores 71/100, 2 points higher; one place down, Holy Ghost Parish (#58) scores 68/100, 1 point lower.
Community 1st Call Report trajectory
Community 1st: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.1% from $1.07B (2025Q4) to $1.10B (2026Q1).
- Net-worth ratio shifted -0.24 pp (10.73% → 10.49%).
This credit union's 10.49% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 69/100 score is built
Community 1st gives up 31 points in total. Delinquency Rate costs the most, 22 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 3.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.3 pts
- Loan-to-Share Ratio 11.7 pts
Call Report ratios for Community 1st
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.49% | -0.69 pp |
| Delinquency Rate | 3.52% | +2.65 pp |
| Return on Assets | 0.82% | +0.31 pp |
| Member Growth | 0.22% | - |
| Loan-to-Share Ratio | 96.77% | +12.87 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.10B | - |
| 2025Q4 | $1.07B | 72,306 |
| 2024Q4 | $1.04B | 72,150 |
| 2023Q4 | $971.9M | 67,900 |
Credit Union Details
- Charter Number
- 68510
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Iowa
- City
- Ottumwa
- Data Quarter
- 2025Q4
Branch Locations (24)
The NCUA branch filing lists 24 physical offices for Community 1st, spread across 20 cities.
| Office | City |
|---|---|
| Headquarters (Main Office) | Ottumwa, IA |
| Albia | Albia, IA |
| Atlantic | Atlantic, IA |
| Avoca | Avoca, IA |
| Bloomfield | Bloomfield, IA |
| Cedar Rapids | Cedar Rapids, IA |
| Centerville | Centerville, IA |
| Chariton | Chariton, IA |
| Creston | Creston, IA |
| Fairfield | Fairfield, IA |
| Grinnell | Grinnell, IA |
| Harlan | Harlan, IA |
| Indianola | Indianola, IA |
| Knoxville | Knoxville, IA |
| Mt Pleasant | Mount Pleasant, IA |
| Osceola | Osceola, IA |
| Oskaloosa | Oskaloosa, IA |
| Pennsylvania | Ottumwa, IA |
| Richmond | Ottumwa, IA |
| Venture Drive | Ottumwa, IA |
| JBS | Ottumwa, IA |
| Pella | Pella, IA |
| Shenandoah | Shenandoah, IA |
| Washington | Washington, IA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Iowa
A look at other Iowa credit unions, ranked by how closely their peer group and asset size match this one.
Community 1st nationwide neighbourhoods
Using this data
- Community 1st ranks #3,657 of 4,374 nationally on financial health and #57 of 66 in IA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Dutrac Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Dutrac Community
Frequently Asked Questions
Is Community 1st financially healthy?
Community 1st has a financial health score of 69/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,657 of 4,374 nationally on health and #57 of 66 in Iowa. Its net worth ratio is 10.49% and its delinquency rate 3.52%.
How does Community 1st compare to other credit unions?
Community 1st scores 69/100, higher than 16% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (96.77% vs 83.90%). Its widest shortfall is delinquency rate (3.52% vs 0.87%).
How can I join Community 1st?
Membership eligibility for Community 1st depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Community 1st directly for current membership requirements and application steps.
Is my money safe at Community 1st?
Community 1st is a state-chartered credit union; its shares are federally 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 10.49% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.