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
- MEM 69/100
- RANK 10.5%
- PHOTO 3.52%
- BOOK 0.82%
- CHARTER $1.07B
- NCUSIF 72,306
- CAMELS #3,657/4,374
- HEALTH Valley First
- NW 68510
Call Report peers
Community 1st in the assets neighbourhood
Community 1st's $1.07B assets sit next to Valley First ($1.06B) 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
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
Community 1st - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #68510 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for IA 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 +3.1% from $1.07B (2025Q4) to $1.10B (2026Q1).
- Net-worth ratio shifted -0.24 pp (10.73% → 10.49%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 69.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Two NCUA Call Report peer sets for Community 1st, both outside Iowa 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 ($1.07B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (69/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Iowa credit unions compare overall before assuming this one is typical. Iowa 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 10.49% net worth ratio and a 3.52% delinquency rate feed into Community 1st's financial health score of 69/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,657 of 4,374; by total assets it ranks #447 of 4,374 nationally (same basis as /rankings/largest); and #6 of 66 within Iowa. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Community 1st compare to other credit unions?
On PlainCU's health composite, Community 1st lands at 69/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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?
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?
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 10.49% 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.