Community 1st

Ottumwa, IA · 2 · Charter #68510 · www.c1stcu.com
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$1.1B
4th percentile
Members
72,306
21th percentile
Total loans
$910.6M
18th percentile
Total shares
$911.2M
7th percentile

Profitability

Return on assets
1.13%
59th percentile
Net interest margin
4.14%
94th percentile
Efficiency ratio
63.02%
11th percentile
Non-interest income ratio
18.68%
51th percentile

Capital & Risk

Net worth ratio
10.73%
48th percentile
Delinquency rate
3.52%
1th percentile
Net charge-off rate
0.36%
68th percentile
Loan-to-share
99.94%
79th percentile

Growth

Member growth YoY
0.22%
27th percentile
Asset growth YoY
2.53%
24th percentile
Loan growth YoY
3.47%
39th percentile
Share growth YoY
2.29%
22th percentile

Operations

Members / branch
3,144
3th percentile
Assets / member
$14,737
19th percentile
Field of membership penetration
3.11%
33th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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