COMMUNITY FIRST

Charter #66642 | WI

5B-7B (34 CUs) Large (64 CUs)
3 5B-7B in WI

COMMUNITY FIRST has 12 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 2.6% in tier
  • + Organic Growth Engine: Top 8.1% in tier
  • + Wallet Share Momentum: Top 10.3% in tier
  • + Emerging Performer: Top 11.5% in tier
  • + Organic Growth Leader: Top 20.5% in tier
  • + ROA 0.48% above tier average
  • + Total Delinquency Rate (60+ days): Top 0.0% in tier
  • + Net Charge-Off Rate: Top 2.9% in tier
  • + Average Member Relationship (AMR): Top 2.9% in tier
  • + Efficiency Ratio: Top 5.9% in tier
  • + Loan-to-Member Ratio (LMR): Top 5.9% in tier
  • + Indirect Auto Concentration (%): Top 8.8% in tier

Key Concerns

Areas that may need attention

  • - Growth-at-Risk: Bottom 11.3% in tier
  • - Credit Quality Pressure: Bottom 21.3% in tier
  • - Liquidity Overhang: Bottom 27.3% in tier
  • - Members Per Employee (MPE): Bottom 2.9% in tier
  • - Net Interest Margin (NIM): Bottom 8.8% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Members 163,614
+3.0% YoY+0.7% QoQ
 -126.1K 289,724
-2.8% YoY
 38,719
+8.7% YoY
 33,089
+6.1% YoY
 Bottom 8.8% in tier
Assets $6.3B
+5.5% YoY+0.5% QoQ
 +$470.6M $5.8B
+0.2% YoY
 $717.4M
+12.8% YoY
 $547.7M
+7.8% YoY
 71st in tier
Loans $4.7B
+13.9% YoY+3.6% QoQ
 +$618.8M $4.1B
-3.1% YoY
 $555.6M
+13.3% YoY
 $388.7M
+8.6% YoY
 74th in tier
Deposits $5.4B
+4.7% YoY+0.3% QoQ
 +$540.7M $4.9B
+2.2% YoY
 $603.1M
+13.2% YoY
 $464.6M
+9.3% YoY
 Top 17.6% in tier
ROA 1.3%
+12.2% YoY+5.7% QoQ
 +0.5% 0.8%
+15.5% YoY
 0.7%
-20.1% YoY
 0.7%
+273.4% YoY
 Top 14.7% in tier
NIM 2.2%
+11.0% YoY+4.2% QoQ
 -0.7% 2.9%
+3.9% YoY
 3.5%
-0.2% YoY
 3.7%
+5.0% YoY
 Bottom 5.9% in tier
Efficiency Ratio 51.7%
-6.5% YoY-2.2% QoQ
 -16.4% 68.1%
-1.7% YoY
 74.2%
-2.5% YoY
 79.1%
-3.3% YoY
 Bottom 5.9% in tier
Delinquency Rate 0.1%
+15.9% YoY+8.0% QoQ
 -0.5 0.6%
-2.2% YoY
 1.0%
+20.8% YoY
 1.2%
-0.9% YoY
 Bottom 0.0% in tier
Loan To Share 86.6%
+8.8% YoY+3.3% QoQ
 +3.0% 83.6%
-5.7% YoY
 80.3%
+0.1% YoY
 68.0%
-1.7% YoY
 41st in tier
AMR $61,916
+5.6% YoY+1.1% QoQ
 +$28K $34,398
+4.0% YoY
 $22,950
+4.4% YoY
 $19,418
+1.3% YoY
 Top 5.9% in tier
CD Concentration 40.6%
-1.6% YoY-0.5% QoQ
 +11.8% 28.9%
-1.3% YoY
 21.1%
+6.2% YoY
 19.6%
+6.2% YoY
 Top 12.5% in tier
Indirect Auto % 0.0%
-67.8% YoY-35.4% QoQ
 -16.6% 16.6%
-10.3% YoY
 8.1%
-7.1% YoY
 7.9%
-2.9% YoY
 Bottom 6.2% in tier

Signature Analysis

Strengths (5)

Relationship Depth Leader

growth
#4 of 46 • Top 2.6% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 5.63%
(Tier: 2.82%, National: 4.19%)
better than tier avg
Share Draft per Member: $4.3K
(Tier: $3.2K, National: $2.0K)
better than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY

Organic Growth Engine

growth
#13 of 50 • Top 8.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.98%
(Tier: 3.07%, National: 9.37%)
but worse than tier avg
Return on Assets: 1.29%
(Tier: 0.91%, National: 0.71%)
better than tier avg
Indirect Auto %: 0.00%
(Tier: 16.60%, National: 7.90%)
better than tier avg
50 of 64 Large CUs have this signature | 917 nationally
→ Stable (52→50 CUs) -2 CUs YoY | Rank improving

Wallet Share Momentum

growth
#13 of 46 • Top 10.3% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 5.63%
(Tier: 2.82%, National: 4.19%)
better than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY | Rank worsening

Emerging Performer

growth
#11 of 31 • Top 11.5% in tier

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

Why This Signature
Return on Assets: 1.29%
(Tier: 0.91%, National: 0.71%)
better than tier avg
Member Growth (YoY): 2.98%
(Tier: 3.07%, National: 9.37%)
but worse than tier avg
31 of 64 Large CUs have this signature | 852 nationally
→ Stable (27→31 CUs) +4 CUs YoY | Rank worsening

Organic Growth Leader

growth
#18 of 28 • Top 20.5% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 2.98%
(Tier: 3.07%, National: 9.37%)
but worse than tier avg
28 of 64 Large CUs have this signature | 608 nationally
→ Stable (28→28 CUs)

Concerns (3)

Growth-at-Risk

risk
#12 of 25 • Bottom 11.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 13.89%
(Tier: 4.99%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.02% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
25 of 64 Large CUs have this signature | 646 nationally
↓ Shrinking -13 CUs YoY | Rank improving

Credit Quality Pressure

risk
#27 of 34 • Bottom 21.3% in tier

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

Why This Signature
Delinquency Change (YoY): 0.02% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
34 of 64 Large CUs have this signature | 1002 nationally
↓ Shrinking -17 CUs YoY | Rank improving

Liquidity Overhang

risk
#16 of 24 • Bottom 27.3% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.87%
(Tier: 11.62%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 86.60%
(Tier: 84.48%, National: 67.96%)
but better than tier avg
24 of 64 Large CUs have this signature | 691 nationally
↑ Growing +7 CUs YoY

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 34 peers in tier

Top Strengths (13 metrics)

1
Total Delinquency Rate (60+ days)
risk
Value: 0.14%
Peer Avg: 0.62%
#1 of 34 Top 0.0% in 5B-7B tier
2
Net Charge-Off Rate
risk
Value: 0.10%
Peer Avg: 0.57%
#2 of 34 Top 2.9% in 5B-7B tier
2
Average Member Relationship (AMR)
engagement
Value: $61,916
Peer Avg: $34,398
#2 of 34 Top 2.9% in 5B-7B tier
3
Efficiency Ratio
profitability
Value: 51.73%
Peer Avg: 68.13%
#3 of 34 Top 5.9% in 5B-7B tier
3
Loan-to-Member Ratio (LMR)
engagement
Value: $28,735
Peer Avg: $15,308
#3 of 34 Top 5.9% in 5B-7B tier
4
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 14.61%
#4 of 34 Top 8.8% in 5B-7B tier
5
Return on Assets (ROA)
profitability
Value: 1.29%
Peer Avg: 0.80%
#5 of 34 Top 11.8% in 5B-7B tier
5
Loan Growth Rate
growth
Value: 13.89%
Peer Avg: 5.95%
#5 of 34 Top 11.8% in 5B-7B tier
6
Total Deposits
balance_sheet
Value: $5.43B
Peer Avg: $4.89B
#6 of 34 Top 14.7% in 5B-7B tier
7
Fee Income Per Member
profitability
Value: $271.70
Peer Avg: $213.89
#7 of 34 Top 17.6% in 5B-7B tier

Top Weaknesses (4 metrics)

34
Members Per Employee (MPE)
engagement
Value: 265.607
Peer Avg: 430.688
#34 of 34 Bottom 2.9% in 5B-7B tier
32
Net Interest Margin (NIM)
profitability
Value: 2.18%
Peer Avg: 2.90%
#32 of 34 Bottom 8.8% in 5B-7B tier
31
Share Certificate Concentration (%)
balance_sheet
Value: 40.62%
Peer Avg: 30.59%
#31 of 34 Bottom 11.8% in 5B-7B tier
31
Total Members
engagement
Value: 163,614
Peer Avg: 289,725
#31 of 34 Bottom 11.8% in 5B-7B tier