Federal credit union · LAKEVIEW, Michigan · NCUA charter #24199
Community First
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $146.6M
- Total assets
- 13,650
- Members
- 8.3%
- Net-worth ratio
Community First scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $146.6M; members 13,650; net-worth ratio 8.33%; health rank #2,190 of 4,374; healthier than 50th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,190 of 4,374 health · 2025Q4Community First · health 84/100 · $146.6M · 2025Q4
- BOOK 84/100
- CHARTER 8.3%
- NCUSIF 1.38%
- CAMELS 0.70%
- HEALTH $146.6M
- NW 13,650
- DELQ #2,190/4,374
- ROA Oswego County
- ASSETS 24199
Call Report peers
Community First in the assets neighbourhood
Community First's $146.6M assets sit next to Oswego County ($146.7M) 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 First 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
84 Top 50% higher than 50% 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 First - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #24199. See our deposit-insurance coverage note.
Peer-gap read for Community First
- Loan-to-Share Ratio leads the peer set - 92.76% here, 72.20% peer average (+20.56 pp).
- Largest lag: Net Worth Ratio at 8.33% vs peer 12.11% (-3.78 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Michigan standing for Community First
- Michigan health ordinal: #110 of 171.
- Michigan assets place: #93 of 171.
- Member book place in Michigan: #83 of 171.
In-state ordinals use the live credit_unions table for MI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Community First Call Report trajectory
Community First: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.3% from $146.6M (2025Q4) to $146.9M (2026Q1).
- Net-worth ratio shifted +0.07 pp (8.26% → 8.33%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 8.33% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 84/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- Net Worth Ratio 25.8 pts
- Delinquency Rate 17.2 pts
- Return on Assets 15.0 pts
- Member Growth 12.5 pts
- Loan-to-Share Ratio 13.5 pts
Community First vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.33% | -3.78 pp |
| Delinquency Rate | 1.38% | +0.48 pp |
| Return on Assets | 0.70% | +0.07 pp |
| Member Growth | 2.92% | - |
| Loan-to-Share Ratio | 92.76% | +20.56 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).
Community First filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $146.9M | - |
| 2025Q4 | $146.6M | 13,650 |
| 2024Q4 | $136.1M | 13,263 |
| 2023Q4 | $125.6M | 12,715 |
Credit Union Details
- Charter Number
- 24199
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Michigan
- City
- LAKEVIEW
- Data Quarter
- 2025Q4
Branch Locations (6)
The NCUA branch filing lists 6 physical offices for Community First, spread across 5 cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Lakeview, MI |
| Howard City Branch | Howard City, MI |
| HQ Building | Lakeview, MI |
| Morley Branch | Morley, MI |
| Remus Site | Remus, MI |
| Trufant Branch | Trufant, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
A look at other Michigan credit unions, ranked by how closely their peer group and asset size match this one.
- IRON MOUNTAIN KINGSFORD COMMUNITYKINGSFORD, MI · $100M–$500M84Health
- CONSUMERS PROFESSIONALLANSING, MI · $100M–$500M85Health
- BEST FINANCIALMUSKEGON, MI · $100M–$500M72Health
- FINANCIALEDGEBay City, MI · $100M–$500M87Health
- LENCOAdrian, MI · $100M–$500M95Health
Compare Community First vs IRON MOUNTAIN KINGSFORD COMMUNITY
Nationwide credit unions with similar profiles
Community First's nationwide photo peers by assets and by health score, excluding Michigan charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($146.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
Using this data
- Community First ranks #2,190 of 4,374 nationally on financial health and #110 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Iron Mountain Kingsford Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Iron Mountain Kingsford Community
- Rates and health both vary by institution, not just by state -- see how Michigan credit unions compare overall before assuming this one is typical. Michigan 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 First financially healthy?
Yes/no aside, the number is 84/100 (Excellent) - Community First's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,190 of 4,374; by total assets it ranks #1,506 of 4,374 nationally (same basis as /rankings/largest); and #93 of 171 within Michigan. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.33% net worth ratio and 1.38% delinquency rate are the key drivers.
How does Community First compare to other credit unions?
84/100 is Community First's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 First?
Community First 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 First directly for the exact boundaries and application steps.
Is my money safe at Community First?
Federal credit unions like Community First 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 First's net worth ratio of 8.33% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Community First offer compared to banks?
Credit unions like Community First 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 First 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.