1st Community

Sparta, WI · 2 · Charter #67012 · www.1stccu.com
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$280.6M
10th percentile
Members
15,727
11th percentile
Total loans
$219.2M
27th percentile
Total shares
$248.6M
12th percentile

Profitability

Return on assets
1.28%
70th percentile
Net interest margin
3.81%
73th percentile
Efficiency ratio
53.77%
70th percentile
Non-interest income ratio
15.16%
27th percentile

Capital & Risk

Net worth ratio
9.75%
32th percentile
Delinquency rate
0.71%
50th percentile
Net charge-off rate
0.18%
79th percentile
Loan-to-share
88.17%
70th percentile

Growth

Member growth YoY
1.34%
60th percentile
Asset growth YoY
5.26%
51th percentile
Loan growth YoY
5.38%
57th percentile
Share growth YoY
6.49%
67th percentile

Operations

Members / branch
3,145
19th percentile
Assets / member
$17,840
62th percentile
Field of membership penetration
3.01%
38th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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