State credit union · Santa Rosa, California · NCUA charter #61667
Community First
Health score 72/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 72
- Health / 100
- $914.9M
- Total assets
- 58,779
- Members
- 9.9%
- Net-worth ratio
Community First scores 72/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $914.9M; members 58,779; net-worth ratio 9.94%; health rank #3,483 of 4,374; healthier than 20th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,483 of 4,374 health · 2025Q4Community First · health 72/100 · $914.9M · 2025Q4
Call Report peers
Community First in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Community First sits in 70-74 with 317 others.
72 20th percentile higher than 20% 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
Peer-gap read for Community First
- Widest shortfall vs peers is Loan-to-Share Ratio: -4.30 pp (79.60% vs 83.90%).
Community First: in-state Call Report ranks
- California health ordinal: #203 of 243.
- Assets rank #69 of 243 inside California ($914.9M reported).
- California membership ordinal: #58 of 243.
- One place up in California, MATTEL (#202) ties at 72/100; one place down, ALTAONE (#204) ties at 72/100.
Community First: 2025Q4 → 2026Q1
Community First: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.8% from $914.9M (2025Q4) to $922.1M (2026Q1).
- Net-worth ratio shifted +0.21 pp (9.73% → 9.94%).
At 9.94%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 72/100 score is built
Community First gives up 28 points in total. Delinquency Rate costs the most, 13.5 of its 25; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 29.9 pts
- Delinquency Rate 11.5 pts
- Return on Assets 12.6 pts
- Member Growth 3.2 pts
- Loan-to-Share Ratio 14.8 pts
Community First health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.94% | -1.24 pp |
| Delinquency Rate | 2.16% | +1.29 pp |
| Return on Assets | 0.34% | -0.17 pp |
| Member Growth | -3.21% | - |
| Loan-to-Share Ratio | 79.60% | -4.30 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Call Report history - Community First
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $922.1M | - |
| 2025Q4 | $914.9M | 58,779 |
| 2024Q4 | $805.9M | 60,728 |
| 2023Q4 | $820.0M | 61,958 |
Credit Union Details
- Charter Number
- 61667
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- California
- City
- Santa Rosa
- Data Quarter
- 2025Q4
Branch Locations (13)
Community First operates 13 offices across 11 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Corporate Office (Main Office) | Santa Rosa, CA |
| Clearlake | Clearlake, CA |
| Fort Bragg | Fort Bragg, CA |
| Garberville | Garberville, CA |
| Guerneville | Guerneville, CA |
| Healdsburg | Healdsburg, CA |
| Lakeport | Lakeport, CA |
| Napa | Napa, CA |
| Novato | Novato, CA |
| Fulton | Santa Rosa, CA |
| College | Santa Rosa, CA |
| Sebastopol | Sebastopol, CA |
| Ukiah | Ukiah, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
A look at other California credit unions, ranked by how closely their peer group and asset size match this one.
Community First nationwide neighbourhoods
Using this data
- Community First ranks #3,483 of 4,374 nationally on financial health and #203 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CERTIFIED is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CERTIFIED
Frequently Asked Questions
Is Community First financially healthy?
Community First has a financial health score of 72/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,483 of 4,374 nationally on health and #203 of 243 in California. Its net worth ratio is 9.94% and its delinquency rate 2.16%.
How does Community First compare to other credit unions?
Community First scores 72/100, higher than 20% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (79.60% vs 83.90%).
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?
Community First 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 First's net worth ratio of 9.94% 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.