State credit union · Beloit, Wisconsin · NCUA charter #67214
First Community Cu of Beloit
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $413.4M
- Total assets
- 32,222
- Members
- 10.2%
- Net-worth ratio
First Community Cu of Beloit scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $413.4M; members 32,222; net-worth ratio 10.16%; health rank #679 of 4,374; healthier than 84th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#679 of 4,374 health · 2025Q4First Community Cu of Beloit · health 93/100 · $413.4M · 2025Q4
- NW 93/100
- DELQ 10.2%
- ROA 0.68%
- ASSETS 0.99%
- MEM $413.4M
- RANK 32,222
- PHOTO #679/4,374
- BOOK AMERICA'S
- CHARTER 67214
Call Report peers
First Community Cu of Beloit in the assets neighbourhood
First Community Cu of Beloit's $413.4M assets sit next to AMERICA'S ($413.2M) 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 Cu of Beloit 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
93 Top 16% higher than 84% 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 Cu of Beloit - Share Insurance Coverage
Charter #67214'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 Cu of Beloit vs $100M–$500M peers
- Loan-to-Share Ratio leads the peer set - 102.15% here, 72.20% peer average (+29.95 pp).
- Net Worth Ratio trails the peer set - 10.16% here, 12.11% peer average (-1.95 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
First Community Cu of Beloit: in-state Call Report ranks
- Health composite ranks #26 of 100 among scored Wisconsin credit unions.
- Wisconsin assets place: #23 of 100.
- Membership ranks #20 of 100 among Wisconsin CUs with a reported count (32,222 members).
In-state ordinals use the live credit_unions table for WI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How First Community Cu of Beloit's 5300 filing moved
First Community Cu of Beloit: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.9% from $413.4M (2025Q4) to $421.3M (2026Q1).
- Net-worth ratio shifted +0.01 pp (10.15% → 10.16%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
10.16% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 93/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.2 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 9.8 pts
First Community Cu of Beloit health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.16% | -1.95 pp |
| Delinquency Rate | 0.68% | -0.22 pp |
| Return on Assets | 0.99% | +0.36 pp |
| Member Growth | 10.07% | - |
| Loan-to-Share Ratio | 102.15% | +29.95 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
First Community Cu of Beloit filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $421.3M | - |
| 2025Q4 | $413.4M | 32,222 |
| 2024Q4 | $373.3M | 29,273 |
| 2023Q4 | $317.3M | 29,500 |
Credit Union Details
- Charter Number
- 67214
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Wisconsin
- City
- Beloit
- Data Quarter
- 2025Q4
Branch Locations (9)
First Community Cu of Beloit operates 9 offices across 7 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Beloit, WI |
| Willowbrook Branch | Beloit, WI |
| Belvidere | Belvidere, IL |
| Freeport Branch | Freeport, IL |
| Janesville Branch | Janesville, WI |
| Monroe Branch | Monroe, WI |
| Rockford Branch | Rockford, IL |
| Rockford State | Rockford, IL |
| Roscoe Branch | Roscoe, IL |
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.
First Community Cu of Beloit nationwide neighbourhoods
First Community Cu of Beloit's nationwide photo peers by assets and by health score, excluding Wisconsin charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($413.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
Using this data
- First Community Cu of Beloit ranks #679 of 4,374 nationally on financial health and #26 of 100 in WI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Fort Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Fort Community
- 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 First Community Cu of Beloit financially healthy?
Yes/no aside, the number is 93/100 (Excellent) - First Community Cu of Beloit'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 #679 of 4,374; by total assets it ranks #848 of 4,374 nationally (same basis as /rankings/largest); and #23 of 100 within Wisconsin. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.16% net worth ratio and 0.68% delinquency rate are the key drivers.
How does First Community Cu of Beloit compare to other credit unions?
Five weighted metrics from NCUA filings produce First Community Cu of Beloit's 93/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Cu of Beloit?
Membership eligibility for First Community Cu of Beloit 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 Cu of Beloit directly for current membership requirements and application steps.
Is my money safe at First Community Cu of Beloit?
Federal credit unions like First Community Cu of Beloit 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 Cu of Beloit's net worth ratio of 10.16% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does First Community Cu of Beloit offer compared to banks?
Credit unions like First Community Cu of Beloit 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 Cu of Beloit 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.