State credit union · Beloit, Wisconsin · NCUA charter #67214
First Community Cu of Beloit
Health score 93/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $413.4M
- Total assets
- 32,222
- Members
- 10.0%
- Net-worth ratio
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 - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)93
- Earnings (ROA)100
- Member growth100
- Liquidity (loan-to-share)65
Weighted composite: 93/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
10.03% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.03% | 30% |
| Delinquency Rate | 0.68% | 25% |
| Return on Assets | 0.99% | 15% |
| Member Growth | 10.07% | 15% |
| Loan-to-Share Ratio | 102.15% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About First Community Cu of Beloit
Headquartered in Beloit, Wisconsin, First Community Cu of Beloit is a state credit union with 32,222 members, $413.4M in total assets, and $360.0M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 93/100 (Excellent), driven in part by a net worth ratio of 10.03% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #67214 and reports within peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
Two more numbers round out the picture: a 0.68% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers - and a 102.15% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.99% on net income of $4.1M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 10.07%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Wisconsin
Other federally-insured credit unions in Wisconsin, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.03% 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 10.03% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.