FIRST COMMUNITY CU OF BELOIT

Charter #67214 | WI

100M-500M (1077 CUs) Micro
27 100M-500M in WI

FIRST COMMUNITY CU OF BELOIT has 6 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 18.8% in tier
  • + Strong member growth: 9.1% YoY
  • + Loan-to-Share Ratio: Top 1.6% in tier
  • + Total Loans: Top 1.6% in tier
  • + Member Growth Rate: Top 3.9% in tier
  • + Total Members: Top 6.2% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 1.3% in tier
  • - Indirect Auto Dependency: Bottom 2.9% in tier
  • - Growth-at-Risk: Bottom 9.3% in tier
  • - Credit Quality Pressure: Bottom 17.5% in tier
  • - ROA 0.26% below tier average
  • - Indirect Auto Concentration (%): Bottom 2.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Members 31,373
+9.1% YoY+2.4% QoQ
 +15.7K 15,628
-3.4% YoY
 38,719
+8.7% YoY
 33,089
+6.1% YoY
 Top 6.3% in tier
Assets $397.0M
+7.7% YoY+2.1% QoQ
 +$165.7M $231.3M
-0.0% YoY
 $717.4M
+12.8% YoY
 $547.7M
+7.8% YoY
 Top 11.0% in tier
Loans $356.0M
+10.5% YoY+2.7% QoQ
 +$208.2M $147.8M
-1.4% YoY
 $555.6M
+13.3% YoY
 $388.7M
+8.6% YoY
 Top 1.7% in tier
Deposits $337.7M
+8.3% YoY+2.3% QoQ
 +$137.4M $200.3M
-0.0% YoY
 $603.1M
+13.2% YoY
 $464.6M
+9.3% YoY
 Top 11.9% in tier
ROA 0.5%
-50.2% YoY-4.5% QoQ
 -0.3% 0.8%
+15.5% YoY
 0.7%
-20.1% YoY
 0.7%
+273.4% YoY
 34th in tier
NIM 3.4%
+10.7% YoY+1.7% QoQ
 -0.2% 3.6%
+6.9% YoY
 3.5%
-0.2% YoY
 3.7%
+5.0% YoY
 35th in tier
Efficiency Ratio 73.8%
+3.0% YoY+1.0% QoQ
 -3.5% 77.3%
-3.0% YoY
 74.2%
-2.5% YoY
 79.1%
-3.3% YoY
 37th in tier
Delinquency Rate 0.5%
+35.0% YoY-27.4% QoQ
 -0.3 0.9%
+7.6% YoY
 1.0%
+20.8% YoY
 1.2%
-0.9% YoY
 39th in tier
Loan To Share 105.4%
+2.1% YoY+0.4% QoQ
 +32.7% 72.7%
-1.5% YoY
 80.3%
+0.1% YoY
 68.0%
-1.7% YoY
 Top 1.7% in tier
AMR $22,111
+0.3% YoY+0.1% QoQ
 $-2K $24,363
+2.9% YoY
 $22,950
+4.4% YoY
 $19,418
+1.3% YoY
 48th in tier
CD Concentration 32.7%
+0.4% YoY-0.4% QoQ
 +8.3% 24.4%
+4.2% YoY
 21.1%
+6.2% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 57.3%
+1.5% YoY+0.1% QoQ
 +43.4% 14.0%
-5.8% YoY
 8.1%
-7.1% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (1)

Organic Growth Engine

growth
#345 of 603 • Top 18.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 9.09%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.53%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 57.32%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Concerns (4)

Liquidity Strain

risk
#11 of 258 • Bottom 1.3% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 105.40%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 10.52%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 1077 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#48 of 525 • Bottom 2.9% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 7.69%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 57.32%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 9.09%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

Growth-at-Risk

risk
#141 of 446 • Bottom 9.3% in tier

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

Why This Signature
Loan Growth (YoY): 10.52%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.14% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | Rank improving

Credit Quality Pressure

risk
#435 of 736 • Bottom 17.5% in tier

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

Why This Signature
Delinquency Change (YoY): 0.14% 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

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 (10 metrics)

18
Loan-to-Share Ratio
balance_sheet
Value: 105.40%
Peer Avg: 72.70%
#18 of 1077 Top 1.6% in 100M-500M tier
18
Total Loans
balance_sheet
Value: $355.96M
Peer Avg: $147.80M
#18 of 1077 Top 1.6% in 100M-500M tier
43
Member Growth Rate
growth
Value: 9.09%
Peer Avg: 0.72%
#43 of 1077 Top 3.9% in 100M-500M tier
68
Total Members
engagement
Value: 31,373
Peer Avg: 15,628
#68 of 1077 Top 6.2% in 100M-500M tier
118
Total Assets
balance_sheet
Value: $396.96M
Peer Avg: $231.30M
#118 of 1077 Top 10.9% in 100M-500M tier
128
Total Deposits
balance_sheet
Value: $337.72M
Peer Avg: $200.29M
#128 of 1077 Top 11.8% in 100M-500M tier
150
Loan Growth Rate
growth
Value: 10.52%
Peer Avg: 3.45%
#150 of 1077 Top 13.8% in 100M-500M tier
204
Deposit Growth Rate
growth
Value: 8.28%
Peer Avg: 4.69%
#204 of 1077 Top 18.8% in 100M-500M tier
208
First Mortgage Concentration (%)
balance_sheet
Value: 14.49%
Peer Avg: 30.43%
#208 of 1077 Top 19.2% in 100M-500M tier
225
Asset Growth Rate
growth
Value: 7.69%
Peer Avg: 4.70%
#225 of 1077 Top 20.8% in 100M-500M tier

Top Weaknesses (4 metrics)

1050
Indirect Auto Concentration (%)
balance_sheet
Value: 57.32%
Peer Avg: 13.34%
#1050 of 1077 Bottom 2.6% in 100M-500M tier
884
Fee Income Per Member
profitability
Value: $105.99
Peer Avg: $174.31
#884 of 1077 Bottom 18.0% in 100M-500M tier
859
Share Certificate Concentration (%)
balance_sheet
Value: 32.69%
Peer Avg: 23.61%
#859 of 1077 Bottom 20.3% in 100M-500M tier
817
AMR Growth Rate
growth
Value: 0.30%
Peer Avg: 3.64%
#817 of 1077 Bottom 24.2% in 100M-500M tier