State credit union · HANNIBAL, Missouri · NCUA charter #64746
Community First
Health score 100/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 100
- Health / 100
- $8.9M
- Total assets
- 1,180
- Members
- 11.5%
- Net-worth ratio
Community First scores 100/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $8.9M; members 1,180; net-worth ratio 11.50%; health rank #21 of 4,374; healthier than 99th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#21 of 4,374 health · 2025Q4Community First · health 100/100 · $8.9M · 2025Q4
- NCUSIF 100/100
- CAMELS 11.5%
- HEALTH 0.07%
- NW 0.47%
- DELQ $8.9M
- ROA 1,180
- ASSETS #21/4,374
- MEM n/a
- RANK 64746
Community First carries $8.9M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
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
100 Top 1% higher than 99% 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
The 2025Q4 NCUA Call Report puts charter #64746 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Community First: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 77.24% here, 63.60% peer average (+13.64 pp).
- Largest lag: Net Worth Ratio at 11.50% vs peer 19.06% (-7.56 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Missouri standing for Community First
- In Missouri, health place is #1 of 89 on the same NCUA-ratio sort used nationally.
- Missouri assets place: #72 of 89.
- Membership ranks #72 of 89 among Missouri CUs with a reported count (1,180 members).
In-state ordinals use the live credit_unions table for MO 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 -6.5% from $8.9M (2025Q4) to $8.3M (2026Q1).
- Net-worth ratio shifted +0.42 pp (11.08% → 11.50%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
11.50% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 100/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 100.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 14.5 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.5 pts
Community First vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.50% | -7.56 pp |
| Delinquency Rate | 0.07% | -1.74 pp |
| Return on Assets | 0.47% | +0.01 pp |
| Member Growth | 9.26% | - |
| Loan-to-Share Ratio | 77.24% | +13.64 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Community First quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $8.3M | - |
| 2025Q4 | $8.9M | 1,180 |
| 2024Q4 | $8.4M | 1,080 |
| 2023Q4 | $8.3M | 1,074 |
Credit Union Details
- Charter Number
- 64746
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Missouri
- City
- HANNIBAL
- Data Quarter
- 2025Q4
Branch Location
Community First operates a single office in Hannibal, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Hannibal, MO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Missouri
Other federally-insured credit unions in Missouri, closest first by peer group and asset size.
Cross-state Call Report peers for Community First
Community First's nationwide photo peers by assets and by health score, excluding Missouri charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (100/100 here).
Using this data
- Community First ranks #21 of 4,374 nationally on financial health and #1 of 89 in MO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- St. Joseph Teachers' is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with St. Joseph Teachers'
- Rates and health both vary by institution, not just by state -- see how Missouri credit unions compare overall before assuming this one is typical. Missouri 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 100/100 (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 #21 of 4,374; by total assets it ranks #3,613 of 4,374 nationally (same basis as /rankings/largest); and #72 of 89 within Missouri. Above 80 reads excellent, below 50 warrants closer monitoring; a 11.50% net worth ratio and 0.07% delinquency rate are the key drivers.
How does Community First compare to other credit unions?
Five weighted metrics from NCUA filings produce Community First's 100/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 11.50% 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.