Credit Union Safety Analysis
Is First Community Credit Union Safe? Chesterfield, Missouri
Based on its Q2 2026 NCUA 5300 call report, First Community Credit Union has a net worth ratio of 8.62%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.54%, 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, First Community Credit Union's net worth ratio is 8.62%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 8.62%
- Delinquency ratio (60+ days) (Q2 2026): 0.54%
- Return on assets (Q2 2026): 1.06%
- Loan-to-share ratio (Q2 2026): 74.18%
First Community Credit Union (NCUA charter 67619, established 1934) reported $5.04B in assets and 344,229 members for Q2 2026 from Chesterfield, Missouri. It is the largest of 85 credit unions in Missouri by total assets. Total assets grew 4.2% from $4.83B on June 30, 2025. It has 68,817 fewer members than on June 30, 2025 (-16.7%). Its net worth ratio was up 0.62 percentage points from 8.00% on June 30, 2025. Used vehicle loans are its largest loan category, $1.37B of $3.33B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.54% 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: 8.43% for Q1 2026; 8.00% 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: 0.46% for Q1 2026; 0.47% 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: 0.84% for Q1 2026; 0.79% 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: 73.77% for Q1 2026; 77.52% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $1.37B
- 1- to 4-family residential and other consumer real estate loans: $1.36B
- New vehicle loans: $429.7M
- Other unsecured loans and lines of credit: $56.2M
- Unsecured credit card loans: $50.0M
- Other secured non-real estate loans and lines of credit: $31.6M
- Commercial loans: $30.3M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $5.04B | 8.62% | 0.54% | 1.06% | 74.18% |
| March 31, 2026 | $4.99B | 8.43% | 0.46% | 0.84% | 73.77% |
| December 31, 2025 | $4.84B | 8.48% | 0.52% | 0.88% | 76.40% |
| September 30, 2025 | $4.78B | 8.36% | 0.45% | 0.87% | 77.48% |
| June 30, 2025 | $4.83B | 8.00% | 0.47% | 0.79% | 77.52% |
| March 31, 2025 | $4.74B | 7.96% | 0.39% | 0.57% | 77.85% |
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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.
First Community Credit Union profile
Regulator records: NCUA credit union profile (charter 67619) · FFIEC NIC profile (RSSD 674997)
Frequently asked questions
Is First Community Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, First Community Credit Union's net worth ratio is 8.62%, above the 7% NCUA threshold for well capitalized.
Is First Community Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. First Community Credit Union is a federally insured credit union (NCUA charter 67619): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are First Community Credit Union's key safety ratios?
For Q2 2026, First Community Credit Union reports net worth 8.62%, delinquency 0.54%, ROA 1.06%, loan-to-share 74.18%.
What happens to my money if First Community Credit Union fails?
For Q2 2026, First Community Credit Union held $4.49B in shares and deposits for 344,229 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.