State credit union · Chesterfield, Missouri · NCUA charter #67619
First Community
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $4.84B
- Total assets
- 408,317
- Members
- 8.4%
- Net-worth ratio
First Community scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.84B; members 408,317; net-worth ratio 8.43%; health rank #1,170 of 4,374; healthier than 73rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,170 of 4,374 health · 2025Q4First Community · health 90/100 · $4.84B · 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.
90 Top 27% higher than 73% 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 vs Over $500M peers
- Delinquency Rate leads the peer set - 0.52% here, 0.87% peer average (-0.35 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -7.50 pp (76.40% vs 83.90%).
Where First Community sits in Missouri
- In Missouri, health place is #31 of 89 on the same NCUA-ratio sort used nationally.
- Assets rank #1 of 89 inside Missouri ($4.84B reported).
- Member book place in Missouri: #1 of 89.
- One place up in Missouri, First Missouri (#30) ties at 90/100; one place down, STATIONERY (#32) scores 89/100, 1 point lower.
First Community: 2025Q4 → 2026Q1
First Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.2% from $4.84B (2025Q4) to $4.99B (2026Q1).
- Net-worth ratio shifted -0.05 pp (8.48% → 8.43%).
At 8.43%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 90/100 score is built
First Community gives up 10 points in total. Member Growth costs the most, 5.6 of its 15; Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 26.1 pts
- Delinquency Rate 24.8 pts
- Return on Assets 15.0 pts
- Member Growth 9.4 pts
- Loan-to-Share Ratio 14.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.43% | -2.75 pp |
| Delinquency Rate | 0.52% | -0.35 pp |
| Return on Assets | 0.58% | +0.07 pp |
| Member Growth | 0.33% | - |
| Loan-to-Share Ratio | 76.40% | -7.50 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.99B | - |
| 2025Q4 | $4.84B | 408,317 |
| 2024Q4 | $4.52B | 406,959 |
| 2023Q4 | $4.16B | 393,348 |
Credit Union Details
- Charter Number
- 67619
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Missouri
- City
- Chesterfield
- Data Quarter
- 2025Q4
Branch Locations (42)
The NCUA branch filing lists 42 physical offices for First Community, spread across 30 cities in 2 states.
| Office | City |
|---|---|
| Chesterfield Valley (Main Office) | Chesterfield, MO |
| Arnold | Arnold, MO |
| Arnold Walmart | Arnold, MO |
| Belleville | Belleville, IL |
| Bridgeton | Bridgeton, MO |
| Collinsville | Collinsville, IL |
| Cottleville | Cottleville, MO |
| Creve Coeur | Creve Coeur, MO |
| Ellisville | Ellisville, MO |
| Eureka | Eureka, MO |
| Fairview Heights | Fairview Heights, IL |
| Fenton | Fenton, MO |
| Festus | Festus, MO |
| North County | Florissant, MO |
| Florissant | Florissant, MO |
| Howdershell | Florissant, MO |
| Glen Carbon Walmart | Glen Carbon, IL |
| Glen Carbon | Glen Carbon, IL |
| Granite City | Granite City, IL |
| High Ridge | High Ridge, MO |
| Kirkwood | Kirkwood, MO |
| Lake St. Louis | Lake Saint Louis, MO |
| Manchester | Manchester, MO |
| Maplewood | Maplewood, MO |
| OFallon | O Fallon, MO |
| O Fallon Walmart | O Fallon, MO |
| WingHaven | O'Fallon, MO |
| Galleria | Richmond Heights, MO |
| Saint Charles | Saint Charles, MO |
| Zumbehl | Saint Charles, MO |
| St. Louis Hills | Saint Louis, MO |
| South County Shared | Saint Louis, MO |
| Oakville | Saint Louis, MO |
| Crestwood | Saint Louis, MO |
| Tesson Ferry | Saint Louis, MO |
| Sunset Hills | Saint Louis, MO |
| Jungermann | Saint Peters, MO |
| Warrenton | Warrenton, MO |
| Washington | Washington, MO |
| Waterloo | Waterloo, IL |
| Wentzville Walmart | Wentzville, MO |
| Wentzville | Wentzville, 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.
Other-state peers near First Community
Using this data
- First Community ranks #1,170 of 4,374 nationally on financial health and #31 of 89 in MO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- TOGETHER is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with TOGETHER
Frequently Asked Questions
Is First Community financially healthy?
First Community has a financial health score of 90/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,170 of 4,374 nationally on health and #31 of 89 in Missouri. Its net worth ratio is 8.43% and its delinquency rate 0.52%.
How does First Community compare to other credit unions?
First Community scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is delinquency rate (0.52% vs 0.87%). Its widest shortfall is loan-to-share ratio (76.40% 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 8.43% 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.