State credit union · Appleton, Wisconsin · NCUA charter #66642
Community First
Health score 98/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 98
- Health / 100
- $6.37B
- Total assets
- 164,558
- Members
- 12.8%
- Net-worth ratio
Community First scores 98/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $6.37B; members 164,558; net-worth ratio 12.78%; health rank #96 of 4,374; healthier than 97th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#96 of 4,374 health · 2025Q4Community First · health 98/100 · $6.37B · 2025Q4
- CHARTER 98/100
- NCUSIF 12.8%
- CAMELS 0.15%
- HEALTH 1.04%
- NW $6.37B
- DELQ 164,558
- ROA #96/4,374
- ASSETS BAXTER
- MEM 66642
Call Report peers
Community First in the assets neighbourhood
Community First's $6.37B assets sit next to BAXTER ($6.34B) 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
98 Top 3% higher than 97% 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
Below: composite supervisory bracket and risk-based capital for charter #66642, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where Community First diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 87.06% vs peer 83.90% (+3.16 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Community First: in-state Call Report ranks
- In Wisconsin, health place is #4 of 100 on the same NCUA-ratio sort used nationally.
- By total assets, Community First is #3 of 100 in Wisconsin.
- Wisconsin membership ordinal: #8 of 100.
In-state ordinals use the live credit_unions table for WI 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 +4.6% from $6.37B (2025Q4) to $6.66B (2026Q1).
- Net-worth ratio shifted -0.22 pp (13.00% → 12.78%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
12.78% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 98/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 98.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 12.7 pts
- Loan-to-Share Ratio 15.3 pts
Community First vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.78% | +1.60 pp |
| Delinquency Rate | 0.15% | -0.72 pp |
| Return on Assets | 1.04% | +0.53 pp |
| Member Growth | 3.11% | - |
| Loan-to-Share Ratio | 87.06% | +3.16 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 | $6.66B | - |
| 2025Q4 | $6.37B | 164,558 |
| 2024Q4 | $6.03B | 159,598 |
| 2023Q4 | $5.55B | 155,922 |
Credit Union Details
- Charter Number
- 66642
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Wisconsin
- City
- Appleton
- Data Quarter
- 2025Q4
Branch Locations (29)
Per its most recent NCUA branch filing, Community First runs 29 offices in 14 different cities.
| Office | City |
|---|---|
| Community First Credit Union - Fox Crossing (Main Office) | Neenah, WI |
| Community First Credit Union - Oneida | Appleton, WI |
| Community First Credit Union - Richmond | Appleton, WI |
| Community First Credit Union - Ballard | Appleton, WI |
| Community First Credit Union - Darboy | Appleton, WI |
| Community First Credit Union - Mason | Appleton, WI |
| Community First Credit Union - Nicolet | Appleton, WI |
| Community First Credit Union - Touchmark | Appleton, WI |
| Community First Credit Union - Appleton Retirement Community | Appleton, WI |
| Community First Credit Union - Heritage | Appleton, WI |
| Community First Credit Union - Bellevue | Bellevue, WI |
| Community First Credit Union - West Depere | De Pere, WI |
| Community First Credit Union - Howard | Green Bay, WI |
| Community First Credit Union - Greenville Branch | Greenville, WI |
| Community First Credit Union - Kimberly | Kimberly, WI |
| Community First Credit Union - Manitowoc | Manitowoc, WI |
| Community First Credit Union - Lake Park | Menasha, WI |
| Community First Credit Union - One Menasha | Menasha, WI |
| Community First Credit Union - Forest | Neenah, WI |
| Community First Credit Union - Industrial | Neenah, WI |
| Community First Credit Union - Winneconne Ave | Neenah, WI |
| Community First Credit Union - Wolf River | New London, WI |
| Community First Credit Union - Nichols Branch | Nichols, WI |
| Community First Credit Union - Oshkosh | Oshkosh, WI |
| Community First Credit Union - South Park | Oshkosh, WI |
| Community First Credit Union - Oregon | Oshkosh, WI |
| Community First Credit Union - Two Rivers | Two Rivers, WI |
| Community First Credit Union - Waupaca | Waupaca, WI |
| Community First Credit Union - King | Waupaca, WI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Wisconsin
Other federally-insured credit unions in Wisconsin, closest first by peer group and asset size.
Community First nationwide neighbourhoods
Two NCUA Call Report peer sets for Community First, both outside Wisconsin 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 ($6.37B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (98/100 here).
Using this data
- Community First ranks #96 of 4,374 nationally on financial health and #4 of 100 in WI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- University of Wisconsin is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with University of Wisconsin
- Rates and health both vary by institution, not just by state -- see how Wisconsin credit unions compare overall before assuming this one is typical. Wisconsin 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?
Community First scores 98/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #96 of 4,374; by total assets it ranks #60 of 4,374 nationally (same basis as /rankings/largest); and #3 of 100 within Wisconsin. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 12.78% net worth ratio and a 0.15% delinquency rate.
How does Community First compare to other credit unions?
On PlainCU's health composite, Community First lands at 98/100, 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 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 12.78% 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.