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
- DELQ 92/100
- ROA 12.1%
- ASSETS 0.56%
- MEM 0.58%
- RANK $1.45B
- PHOTO 46,751
- BOOK #782/4,374
- CHARTER U.S. Eagle
- NCUSIF 60103
Call Report peers
First Community in the assets neighbourhood
First Community's $1.45B assets sit next to U.S. Eagle ($1.45B) 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.
First Community 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
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 - Share Insurance Coverage
Charter #60103's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for ND only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
First Community: 2025Q4 → 2026Q1
First Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.3% from $1.45B (2025Q4) to $1.53B (2026Q1).
- Net-worth ratio shifted -0.45 pp (12.53% → 12.08%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- 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 |
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).
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
Two NCUA Call Report peer sets for First Community, both outside North Dakota 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 ($1.45B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
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
- Rates and health both vary by institution, not just by state -- see how North Dakota credit unions compare overall before assuming this one is typical. North Dakota 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 First Community financially healthy?
Yes/no aside, the number is 92/100 (Excellent) - First Community'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 #782 of 4,374; by total assets it ranks #337 of 4,374 nationally (same basis as /rankings/largest); and #1 of 29 within North Dakota. Above 80 reads excellent, below 50 warrants closer monitoring; a 12.08% net worth ratio and 0.56% delinquency rate are the key drivers.
How does First Community compare to other credit unions?
On PlainCU's health composite, First Community lands at 92/100, 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 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?
Federal credit unions like First Community 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. First Community's net worth ratio of 12.08% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does First Community offer compared to banks?
Credit unions like First Community 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 First Community 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.