Credit Union Safety Analysis
Is Community First Credit Union Safe? Appleton, Wisconsin
Based on its Q2 2026 NCUA 5300 call report, Community First Credit Union has a net worth ratio of 12.85%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.14%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Community First Credit Union's net worth ratio is 12.85%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.85%
- Delinquency ratio (60+ days) (Q2 2026): 0.14%
- Return on assets (Q2 2026): 1.61%
- Loan-to-share ratio (Q2 2026): 86.44%
Community First Credit Union (NCUA charter 66642, established 1975) reported $6.84B in assets and 166,721 members for Q2 2026 from Appleton, Wisconsin. It ranks 3 of 98 credit unions in Wisconsin by total assets. Total assets grew 9.8% from $6.23B on June 30, 2025. It has 4,210 more members than on June 30, 2025 (+2.6%). Its net worth ratio was up 0.27 percentage points from 12.58% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $2.40B of $5.12B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.14% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 12.78% for Q1 2026; 12.58% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.15% for Q1 2026; 0.13% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 1.40% for Q1 2026; 1.29% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 85.41% for Q1 2026; 83.85% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $2.40B
- Commercial loans: $1.91B
- Used vehicle loans: $393.5M
- Unsecured credit card loans: $122.0M
- Other unsecured loans and lines of credit: $107.3M
- Other secured non-real estate loans and lines of credit: $95.9M
- New vehicle loans: $78.7M
- Non-federally guaranteed student loans: $11.4M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $6.84B | 12.85% | 0.14% | 1.61% | 86.44% |
| March 31, 2026 | $6.66B | 12.78% | 0.15% | 1.40% | 85.41% |
| December 31, 2025 | $6.37B | 13.00% | 0.15% | 1.34% | 87.06% |
| September 30, 2025 | $6.27B | 12.87% | 0.14% | 1.44% | 86.60% |
| June 30, 2025 | $6.23B | 12.58% | 0.13% | 1.29% | 83.85% |
| March 31, 2025 | $6.15B | 12.44% | 0.12% | 1.14% | 81.95% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Community First Credit Union profile
Regulator records: NCUA credit union profile (charter 66642) · FFIEC NIC profile (RSSD 813394)
Frequently asked questions
Is Community First Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Community First Credit Union's net worth ratio is 12.85%, above the 7% NCUA threshold for well capitalized.
Is Community First Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Community First Credit Union is a federally insured credit union (NCUA charter 66642): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Community First Credit Union's key safety ratios?
For Q2 2026, Community First Credit Union reports net worth 12.85%, delinquency 0.14%, ROA 1.61%, loan-to-share 86.44%.
What happens to my money if Community First Credit Union fails?
For Q2 2026, Community First Credit Union held $5.92B in shares and deposits for 166,721 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.