State credit union · Jamestown, North Dakota · NCUA charter #60103
First Community
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $1.45B
- Total assets
- 46,751
- Members
- 12.1%
- Net-worth ratio
First Community scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.45B; members 46,751; net-worth ratio 12.08%; health rank #782 of 4,374; healthier than 80th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#782 of 4,374 health · 2025Q4First Community · health 92/100 · $1.45B · 2025Q4
Call Report peers
First Community in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
First Community vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); First Community sits in 90-94 with 747 others.
92 Top 20% higher than 80% 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
First Community: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 93.48% here, 83.90% peer average (+9.58 pp).
First Community in North Dakota
- North Dakota health ordinal: #4 of 29.
- By total assets, First Community is #1 of 29 in North Dakota.
- Membership ranks #1 of 29 among North Dakota CUs with a reported count (46,751 members).
- One place up in North Dakota, Town and Country (#3) ties at 92/100; one place down, Northern Valley (#5) scores 91/100, 1 point lower.
First Community: 2025Q4 → 2026Q1
First Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +5.3% from $1.45B (2025Q4) to $1.53B (2026Q1).
- Net-worth ratio shifted -0.45 pp (12.53% → 12.08%).
12.08% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 92/100 score is built
First Community gives up 8 points in total. Member Growth costs the most, 5.7 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.4 pts
- Return on Assets 15.0 pts
- Member Growth 9.3 pts
- Loan-to-Share Ratio 13.3 pts
First Community vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.08% | +0.90 pp |
| Delinquency Rate | 0.56% | -0.32 pp |
| Return on Assets | 0.58% | +0.07 pp |
| Member Growth | 0.24% | - |
| Loan-to-Share Ratio | 93.48% | +9.58 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
First Community filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.53B | - |
| 2025Q4 | $1.45B | 46,751 |
| 2024Q4 | $1.33B | 46,638 |
| 2023Q4 | $1.32B | 46,484 |
Credit Union Details
- Charter Number
- 60103
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- North Dakota
- City
- Jamestown
- Data Quarter
- 2025Q4
Branch Locations (27)
The NCUA branch filing lists 27 physical offices for First Community, spread across 23 cities in 2 states.
| Office | City |
|---|---|
| Administrative Center (Main Office) | Jamestown, ND |
| Branch - Bismarck North | Bismarck, ND |
| Branch - Crookston | Crookston, MN |
| Branch - Devils Lake | Devils Lake, ND |
| Branch - East Grand Forks | East Grand Forks, MN |
| Branch - Fargo | Fargo, ND |
| Branch - Fargo Northland | Fargo, ND |
| Branch - Fargo 52nd | Fargo, ND |
| Branch - Grand Forks 32nd | Grand Forks, ND |
| Branch - Hankinson | Hankinson, ND |
| Branch - Jamestown | Jamestown, ND |
| Branch - Jamestown Buffalo Mall | Jamestown, ND |
| Branch - Kindred | Kindred, ND |
| Branch - Lakota | Lakota, ND |
| Branch - Larimore | Larimore, ND |
| Branch - Mandan | Mandan, ND |
| Branch - Milnor | Milnor, ND |
| Branch - Moorhead | Moorhead, MN |
| Branch - Napoleon | Napoleon, ND |
| Branch - Oakes | Oakes, ND |
| Branch - Page | Page, ND |
| Branch - Portland | Portland, ND |
| Branch - St John | St John, ND |
| Branch - Steele | Steele, ND |
| Branch - Valley City | Valley City, ND |
| Branch - Wahpeton | Wahpeton, ND |
| Branch - Wishek | Wishek, ND |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in North Dakota
A look at other North Dakota credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for First Community
Similar total assets
Similar health score
Using this data
- First Community ranks #782 of 4,374 nationally on financial health and #4 of 29 in ND -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CAPITAL is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CAPITAL
Frequently Asked Questions
Is First Community financially healthy?
First Community has a financial health score of 92/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #782 of 4,374 nationally on health and #4 of 29 in North Dakota. Its net worth ratio is 12.08% and its delinquency rate 0.56%.
How does First Community compare to other credit unions?
First Community scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (93.48% vs 83.90%).
How can I join First Community?
Membership eligibility for First Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact First Community directly for current membership requirements and application steps.
Is my money safe at First Community?
First Community 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. First Community's net worth ratio of 12.08% 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.