State credit union · Ashtabula, Ohio · NCUA charter #61094
Community First
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $96.4M
- Total assets
- 5,002
- Members
- 13.7%
- Net-worth ratio
Community First scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $96.4M; members 5,002; net-worth ratio 13.72%; health rank #3,080 of 4,374; healthier than 28th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,080 of 4,374 health · 2025Q4Community First · health 77/100 · $96.4M · 2025Q4
- ASSETS 77/100
- MEM 13.7%
- RANK 1.30%
- PHOTO 0.29%
- BOOK $96.4M
- CHARTER 5,002
- NCUSIF #3,080/4,374
- CAMELS St. Pius X Church
- HEALTH 61094
Call Report peers
Community First in the assets neighbourhood
Community First's $96.4M assets sit next to St. Pius X Church ($96.3M) 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
77 28th percentile higher than 28% 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
Read from the 2025Q4 NCUA Call Report for charter #61094: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Community First vs $50M–$100M peers
- Strongest edge vs 584 $50M–$100M peers is Net Worth Ratio: +0.10 pp (13.72% vs 13.62%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -6.14 pp (56.46% vs 62.60%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Community First sits in Ohio
- Health composite ranks #146 of 196 among scored Ohio credit unions.
- Assets rank #81 of 196 inside Ohio ($96.4M reported).
- Membership ranks #98 of 196 among Ohio CUs with a reported count (5,002 members).
In-state ordinals use the live credit_unions table for OH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Community First's 5300 filing moved
Community First: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.4% from $96.4M (2025Q4) to $98.7M (2026Q1).
- Net-worth ratio shifted +0.01 pp (13.71% → 13.72%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 13.72%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 77/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 77.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.8 pts
- Return on Assets 11.8 pts
- Member Growth 5.6 pts
- Loan-to-Share Ratio 11.8 pts
Call Report ratios for Community First
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.72% | +0.10 pp |
| Delinquency Rate | 1.30% | +0.33 pp |
| Return on Assets | 0.29% | -0.37 pp |
| Member Growth | -1.90% | - |
| Loan-to-Share Ratio | 56.46% | -6.14 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Community First quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $98.7M | - |
| 2025Q4 | $96.4M | 5,002 |
| 2024Q4 | $93.6M | 5,099 |
| 2023Q4 | $93.0M | 5,210 |
Credit Union Details
- Charter Number
- 61094
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Ohio
- City
- Ashtabula
- Data Quarter
- 2025Q4
Branch Locations (2)
Community First operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Ashtabula Branch (Main Office) | Ashtabula, OH |
| Jefferson Branch | Jefferson, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
A look at other Ohio credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near Community First
Two NCUA Call Report peer sets for Community First, both outside Ohio 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 ($96.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (77/100 here).
Using this data
- Community First ranks #3,080 of 4,374 nationally on financial health and #146 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Unity Catholic is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Unity Catholic
- Rates and health both vary by institution, not just by state -- see how Ohio credit unions compare overall before assuming this one is typical. Ohio 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?
Based on NCUA 5300 Call Report data as of Q4 2025, Community First carries a financial health score of 77/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,080 of 4,374; by total assets it ranks #1,855 of 4,374 nationally (same basis as /rankings/largest); and #81 of 196 within Ohio. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 13.72% net worth ratio and a 1.30% delinquency rate.
How does Community First compare to other credit unions?
PlainCU's health composite puts Community First at 77/100, compared to a peer group average for $50M–$100M 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 Community First?
Membership eligibility for Community First depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Community First directly for current membership requirements 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 13.72% 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.