First Community Credit Union of Beloit Beloit, Wisconsin
First Community Credit Union of Beloit is a state-chartered credit union headquartered in Beloit, WI, established in 1900 (NCUA charter 67214), and it is regulated and insured by the NCUA. At Q2 2026 it reported 34,428 members and total assets of $410.2M (up 5.5% from Q2 2025), the 24th largest of 98 credit unions headquartered in Wisconsin. Its net worth ratio was 10.69% at Q2 2026, in the well capitalized band.
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 67214
- Headquarters
- Beloit, WI
- Established
- 1900
- Total assets, Q2 2026
- $410.2M
- Assets vs Q2 2025
- +5.5%
- Members, Q2 2026
- 34,428
- Net worth ratio, Q2 2026
- 10.69%
- Latest call report
- Q2 2026, NCUA 5300 · First Community Credit Union of Beloit call report
- Asset rank in state
- 24th of 98 in Wisconsin
- Routing number
- 275977052
- Branches
- 9
It has 3,783 more members than on June 30, 2025 (+12.3%). Its net worth ratio was up 0.15 percentage points from 10.54% on June 30, 2025. Used vehicle loans are its largest loan category, $183.8M of $373.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.77% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 10.69% net worth ratio is below that band's 11.43% median.
Frequently asked about First Community Credit Union of Beloit
How big is First Community Credit Union of Beloit?
At Q2 2026 it reported total assets of $410.2M and 34,428 members.
Where is First Community Credit Union of Beloit headquartered?
It is headquartered in Beloit, WI, United States.
When was First Community Credit Union of Beloit founded?
It was established in 1900, per NCUA records.
Is First Community Credit Union of Beloit FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 67214): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates First Community Credit Union of Beloit?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is First Community Credit Union of Beloit well capitalized?
Its net worth ratio was 10.69% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is First Community Credit Union of Beloit's delinquency ratio?
Its delinquency ratio was 0.77% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is First Community Credit Union of Beloit's loan-to-share ratio?
Its loan-to-share ratio was 107.32% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Beloit, WI 53511
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1900
- NCUA Charter #
- 67214
- RSSD ID
- 914796
- Members
- 34,428
- Potential members
- 1,000,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 10.69% | 11.43% | 39th below |
| Return on assets Middle half of peers: 0.43% to 1.23% | 1.04% | 0.81% | 64th above |
| Return on equity Middle half of peers: 3.87% to 9.84% | 9.69% | 7.02% | 74th above |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.59% | 3.70% | 43rd below |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 72.94% | 76.55% | 62nd above |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 2.37% | 1.24% | under 10th bottom |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.77% | 0.68% | 45th below |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.96% | 4.92% | over 90th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 107.32% | 75.66% | over 90th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$410.2M total assets against $388.9M; $348.1M total shares and deposits against $330.3M; $373.6M total loans against $346.6M.
$43.9M net worth against $41.1M.
10.69% net worth ratio against 10.54%.
107.32% loan-to-share ratio against 104.95%.
0.77% delinquency ratio against 0.72%.
1.04% return on assets against 0.20%; 9.69% return on equity against 1.91%.
3.59% net interest margin against 3.40%.
34,428 members against 30,645.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 10.69% | 1.04% | 0.77% | 107.32% |
| March 31, 2026 | 10.16% | 0.80% | 0.66% | 101.26% |
| December 31, 2025 | 10.15% | 0.97% | 0.68% | 102.15% |
| September 30, 2025 | 10.32% | 0.49% | 0.52% | 105.40% |
| June 30, 2025 | 10.54% | 0.20% | 0.72% | 104.95% |
| March 31, 2025 | 10.62% | 0.91% | 0.59% | 102.26% |
Scroll sideways to see every column.
Watch flags
Loans outstanding exceed total member shares (deposits). The credit union is funding the gap with borrowings or non-member sources that are more rate-sensitive and less stable than core member deposits. Industry heuristic, not a supervisory threshold.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.