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
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 95-99 with 391 others.
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
Where Community First diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 87.06% vs peer 83.90% (+3.16 pp).
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.
- One place up in Wisconsin, Valley Communities (#3) ties at 98/100; one place down, Oshkosh Community (#5) ties at 98/100.
Community First Call Report trajectory
Community First: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.6% from $6.37B (2025Q4) to $6.66B (2026Q1).
- Net-worth ratio shifted -0.22 pp (13.00% → 12.78%).
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
Community First gives up 2 points in total. Member Growth costs the most, 2.3 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is Community First financially healthy?
Community First has a financial health score of 98/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #96 of 4,374 nationally on health and #4 of 100 in Wisconsin. Its net worth ratio is 12.78% and its delinquency rate 0.15%.
How does Community First compare to other credit unions?
Community First scores 98/100, higher than 97% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (87.06% 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 12.78% 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.