COMMUNITY 1ST

Charter #60079 | WA

100M-500M (1077 CUs) Micro
18 100M-500M in WA

COMMUNITY 1ST has 2 strengths but faces 13 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 33.4% in tier
  • + First Mortgage Concentration (%): Top 3.6% in tier

Key Concerns

Areas that may need attention

  • - Institutional Decline: Bottom 1.0% in tier
  • - Membership Headwinds: Bottom 2.4% in tier
  • - Credit Quality Pressure: Bottom 10.2% in tier
  • - Stagnation Risk: Bottom 14.7% in tier
  • - Efficiency Drag: Bottom 19.3% in tier
  • - ROA 0.79% below tier average
  • - Efficiency ratio 18.82% above tier (higher cost structure)
  • - Delinquency rate 0.32% above tier average
  • - Member decline: -9.4% YoY
  • - Loan Growth Rate: Bottom 0.8% in tier
  • - Member Growth Rate: Bottom 3.6% in tier
  • - Deposit Growth Rate: Bottom 5.0% in tier
  • - Asset Growth Rate: Bottom 6.0% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (WA) National Avg Tier Percentile
Members 11,027
-9.4% YoY-1.9% QoQ
 -4.6K 15,628
-3.4% YoY
 65,720
+2.5% YoY
 33,089
+6.1% YoY
 36th in tier
Assets $191.0M
-3.3% YoY-0.8% QoQ
 $-40.3M $231.3M
-0.0% YoY
 $1.2B
+3.7% YoY
 $547.7M
+7.8% YoY
 48th in tier
Loans $110.5M
-16.7% YoY-4.6% QoQ
 $-37.3M $147.8M
-1.4% YoY
 $909.1M
+5.1% YoY
 $388.7M
+8.6% YoY
 42nd in tier
Deposits $163.4M
-3.6% YoY-0.9% QoQ
 $-36.8M $200.3M
-0.0% YoY
 $1.0B
+6.5% YoY
 $464.6M
+9.3% YoY
 47th in tier
ROA 0.0%
-100.0% YoY-83.7% QoQ
 -0.8% 0.8%
+15.5% YoY
 0.6%
+9.9% YoY
 0.7%
+273.4% YoY
 Bottom 7.0% in tier
NIM 3.5%
-5.6% YoY+1.4% QoQ
 -0.1% 3.6%
+6.9% YoY
 3.7%
+4.7% YoY
 3.7%
+5.0% YoY
 45th in tier
Efficiency Ratio 96.1%
+11.6% YoY+0.5% QoQ
 +18.8% 77.3%
-3.0% YoY
 76.4%
-1.1% YoY
 79.1%
-3.3% YoY
 Top 4.5% in tier
Delinquency Rate 1.2%
+36.3% YoY+10.2% QoQ
 +0.3 0.9%
+7.6% YoY
 0.9%
-2.6% YoY
 1.2%
-0.9% YoY
 Top 23.2% in tier
Loan To Share 67.6%
-13.6% YoY-3.8% QoQ
 -5.1% 72.7%
-1.5% YoY
 76.9%
-2.2% YoY
 68.0%
-1.7% YoY
 35th in tier
AMR $24,842
+0.1% YoY-0.5% QoQ
 +$479 $24,363
+2.9% YoY
 $28,761
+2.7% YoY
 $19,418
+1.3% YoY
 64th in tier
CD Concentration 34.9%
+11.1% YoY-1.5% QoQ
 +10.4% 24.4%
+4.2% YoY
 22.3%
+2.5% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 1.3%
-7.2% YoY-6.9% QoQ
 -12.7% 14.0%
-5.8% YoY
 17.1%
-8.4% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (1)

Emerging Performer

growth
#627 of 627 • Top 33.4% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.00%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): -9.42%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank worsening

Concerns (5)

Institutional Decline

decline
#9 of 256 • Bottom 1.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $190.96M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
Member Growth (YoY): -9.42%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -16.72%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 1077 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | Rank improving

Membership Headwinds

decline
#40 of 550 • Bottom 2.4% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -9.42%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#252 of 736 • Bottom 10.2% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.31% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Stagnation Risk

risk
#243 of 550 • Bottom 14.7% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.00%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -9.42%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $24.8K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 34.85%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Efficiency Drag

risk
#341 of 521 • Bottom 19.3% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 96.10%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.56% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): -9.42%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank worsening

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 1077 peers in tier

Top Strengths (1 metrics)

40
First Mortgage Concentration (%)
balance_sheet
Value: 2.54%
Peer Avg: 30.43%
#40 of 1077 Top 3.6% in 100M-500M tier

Top Weaknesses (11 metrics)

1069
Loan Growth Rate
growth
Value: -16.72%
Peer Avg: 3.45%
#1069 of 1077 Bottom 0.8% in 100M-500M tier
1039
Member Growth Rate
growth
Value: -9.42%
Peer Avg: 0.72%
#1039 of 1077 Bottom 3.6% in 100M-500M tier
1030
Efficiency Ratio
profitability
Value: 96.10%
Peer Avg: 77.28%
#1030 of 1077 Bottom 4.5% in 100M-500M tier
1024
Deposit Growth Rate
growth
Value: -3.62%
Peer Avg: 4.69%
#1024 of 1077 Bottom 5.0% in 100M-500M tier
1013
Asset Growth Rate
growth
Value: -3.30%
Peer Avg: 4.70%
#1013 of 1077 Bottom 6.0% in 100M-500M tier
1002
Return on Assets (ROA)
profitability
Value: 0.00%
Peer Avg: 0.79%
#1002 of 1077 Bottom 7.1% in 100M-500M tier
920
Members Per Employee (MPE)
engagement
Value: 239.717
Peer Avg: 332.881
#920 of 1077 Bottom 14.7% in 100M-500M tier
916
Share Certificate Concentration (%)
balance_sheet
Value: 34.85%
Peer Avg: 23.61%
#916 of 1077 Bottom 15.0% in 100M-500M tier
879
Fee Income Per Member
profitability
Value: $106.40
Peer Avg: $174.31
#879 of 1077 Bottom 18.5% in 100M-500M tier
836
AMR Growth Rate
growth
Value: 0.05%
Peer Avg: 3.64%
#836 of 1077 Bottom 22.5% in 100M-500M tier