Credit Union Safety Analysis
Is First Community Credit Union of Beloit Safe? Beloit, Wisconsin
Based on its Q2 2026 NCUA 5300 call report, First Community Credit Union of Beloit has a net worth ratio of 10.69%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.77%, 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 of Beloit's net worth ratio is 10.69%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.69%
- Delinquency ratio (60+ days) (Q2 2026): 0.77%
- Return on assets (Q2 2026): 1.04%
- Loan-to-share ratio (Q2 2026): 107.32%
First Community Credit Union of Beloit (NCUA charter 67214, established 1900) reported $410.2M in assets and 34,428 members for Q2 2026 from Beloit, Wisconsin. It ranks 24 of 98 credit unions in Wisconsin by total assets. Total assets grew 5.5% from $388.9M on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 10.16% for Q1 2026; 10.54% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.66% for Q1 2026; 0.72% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.80% for Q1 2026; 0.20% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 101.26% for Q1 2026; 104.95% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $183.8M
- 1- to 4-family residential and other consumer real estate loans: $70.4M
- New vehicle loans: $69.9M
- Other secured non-real estate loans and lines of credit: $33.4M
- Commercial loans: $12.3M
- Other unsecured loans and lines of credit: $2.1M
- Unsecured credit card loans: $1.7M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $410.2M | 10.69% | 0.77% | 1.04% | 107.32% |
| March 31, 2026 | $421.3M | 10.16% | 0.66% | 0.80% | 101.26% |
| December 31, 2025 | $413.4M | 10.15% | 0.68% | 0.97% | 102.15% |
| September 30, 2025 | $397.0M | 10.32% | 0.52% | 0.49% | 105.40% |
| June 30, 2025 | $388.9M | 10.54% | 0.72% | 0.20% | 104.95% |
| March 31, 2025 | $384.1M | 10.62% | 0.59% | 0.91% | 102.26% |
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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 of Beloit profile
Regulator records: NCUA credit union profile (charter 67214) · FFIEC NIC profile (RSSD 914796)
Frequently asked questions
Is First Community Credit Union of Beloit well capitalized?
On its Q2 2026 NCUA 5300 call report, First Community Credit Union of Beloit's net worth ratio is 10.69%, above the 7% NCUA threshold for well capitalized.
Is First Community Credit Union of Beloit FDIC insured?
No. The FDIC insures banks, not credit unions. First Community Credit Union of Beloit is a federally insured credit union (NCUA charter 67214): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are First Community Credit Union of Beloit's key safety ratios?
For Q2 2026, First Community Credit Union of Beloit reports net worth 10.69%, delinquency 0.77%, ROA 1.04%, loan-to-share 107.32%.
What happens to my money if First Community Credit Union of Beloit fails?
For Q2 2026, First Community Credit Union of Beloit held $348.1M in shares and deposits for 34,428 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.