COMMUNITY 1ST

Charter #68510 | IA

1B-3B (304 CUs) Mid-Market (380 CUs)
3 1B-3B in IA

COMMUNITY 1ST has 4 strengths but faces 10 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 13.5% in tier
  • + Emerging Performer: Top 16.5% in tier
  • + Organic Growth Engine: Top 20.7% in tier
  • + Net Interest Margin 0.89% above tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 0.5% in tier
  • - Growth-at-Risk: Bottom 3.8% in tier
  • - Liquidity Strain: Bottom 15.1% in tier
  • - Efficiency Drag: Bottom 28.9% in tier
  • - ROA 0.27% below tier average
  • - Efficiency ratio 6.17% above tier (higher cost structure)
  • - Delinquency rate 2.11% above tier average
  • - Total Delinquency Rate (60+ days): Bottom 1.3% in tier
  • - Members Per Employee (MPE): Bottom 3.3% in tier
  • - Total Assets: Bottom 4.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Members 72,447
+4.7% YoY+0.2% QoQ
 -26.2K 98,678
-1.9% YoY
 24,664
+0.3% YoY
 33,089
+6.1% YoY
 29th in tier
Assets $1.0B
+2.8% YoY-1.0% QoQ
 $-676.8M $1.7B
+0.5% YoY
 $515.3M
+7.1% YoY
 $547.7M
+7.8% YoY
 Bottom 4.3% in tier
Loans $903.1M
+6.3% YoY-0.1% QoQ
 $-330.0M $1.2B
+0.5% YoY
 $418.6M
+8.3% YoY
 $388.7M
+8.6% YoY
 27th in tier
Deposits $921.9M
+2.7% YoY-1.4% QoQ
 $-532.4M $1.5B
+1.3% YoY
 $421.4M
+6.5% YoY
 $464.6M
+9.3% YoY
 Bottom 9.9% in tier
ROA 0.4%
-51.7% YoY+169.7% QoQ
 -0.3% 0.7%
+13.4% YoY
 1.0%
+0.3% YoY
 0.7%
+273.4% YoY
 Bottom 25.0% in tier
NIM 4.1%
+0.8% YoY+3.0% QoQ
 +0.9% 3.3%
+9.3% YoY
 3.8%
+3.9% YoY
 3.7%
+5.0% YoY
 Top 7.2% in tier
Efficiency Ratio 80.1%
+7.0% YoY-2.8% QoQ
 +6.2% 74.0%
-10.9% YoY
 72.0%
+0.4% YoY
 79.1%
-3.3% YoY
 73rd in tier
Delinquency Rate 2.9%
+100.2% YoY+5.7% QoQ
 +2.1 0.8%
+6.1% YoY
 1.2%
-5.8% YoY
 1.2%
-0.9% YoY
 Top 1.3% in tier
Loan To Share 98.0%
+3.5% YoY+1.4% QoQ
 +12.8% 85.2%
-0.8% YoY
 77.1%
-1.2% YoY
 68.0%
-1.7% YoY
 Top 18.1% in tier
AMR $25,191
-0.2% YoY-0.9% QoQ
 $-4K $29,172
+2.8% YoY
 $20,702
+4.3% YoY
 $19,418
+1.3% YoY
 36th in tier
CD Concentration 26.2%
+1.9% YoY+2.6% QoQ
 -2.8% 29.0%
+0.8% YoY
 22.0%
+1.0% YoY
 19.6%
+6.2% YoY
 39th in tier
Indirect Auto % 6.4%
+5.6% YoY-0.3% QoQ
 -12.4% 18.8%
-2.8% YoY
 9.3%
-2.2% YoY
 7.9%
-2.9% YoY
 28th in tier

Signature Analysis

Strengths (3)

Organic Growth Leader

growth
#54 of 138 • Top 13.5% in tier

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

Why This Signature
Member Growth (YoY): 4.67%
(Tier: 3.18%, National: 9.37%)
better than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | Rank improving

Emerging Performer

growth
#88 of 184 • Top 16.5% in tier

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

Why This Signature
Return on Assets: 0.43%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 4.67%
(Tier: 3.18%, National: 9.37%)
better than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank worsening

Organic Growth Engine

growth
#151 of 246 • Top 20.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 4.67%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 0.43%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 6.40%
(Tier: 18.80%, National: 7.90%)
better than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank worsening

Concerns (4)

Credit Quality Pressure

risk
#5 of 217 • Bottom 0.5% in tier

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

Why This Signature
Delinquency Change (YoY): 1.47% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank improving

Growth-at-Risk

risk
#22 of 161 • Bottom 3.8% in tier

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

Why This Signature
Loan Growth (YoY): 6.28%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 1.47% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | Rank improving

Liquidity Strain

risk
#80 of 183 • Bottom 15.1% in tier

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

Why This Signature
Loan-to-Share Ratio: 97.95%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 6.28%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank improving

Efficiency Drag

risk
#96 of 96 • Bottom 28.9% in tier

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

Why This Signature
Efficiency Ratio: 80.14%
(Tier: 73.45%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.46% points
(Tier: 0.07% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 4.67%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
96 of 380 Mid-Market CUs have this signature | 624 nationally
↓ Shrinking -32 CUs YoY | New qualifier

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 304 peers in tier

Top Strengths (3 metrics)

22
Net Interest Margin (NIM)
profitability
Value: 4.15%
Peer Avg: 3.26%
#22 of 304 Top 6.9% in 1B-3B tier
55
Loan-to-Share Ratio
balance_sheet
Value: 97.95%
Peer Avg: 85.19%
#55 of 304 Top 17.8% in 1B-3B tier
71
Member Growth Rate
growth
Value: 4.67%
Peer Avg: 2.20%
#71 of 304 Top 23.0% in 1B-3B tier

Top Weaknesses (5 metrics)

301
Total Delinquency Rate (60+ days)
risk
Value: 2.93%
Peer Avg: 0.83%
#301 of 304 Bottom 1.3% in 1B-3B tier
295
Members Per Employee (MPE)
engagement
Value: 233.700
Peer Avg: 364.953
#295 of 304 Bottom 3.3% in 1B-3B tier
291
Total Assets
balance_sheet
Value: $1.04B
Peer Avg: $1.72B
#291 of 304 Bottom 4.6% in 1B-3B tier
274
Total Deposits
balance_sheet
Value: $921.95M
Peer Avg: $1.45B
#274 of 304 Bottom 10.2% in 1B-3B tier
230
AMR Growth Rate
growth
Value: -0.23%
Peer Avg: 3.29%
#230 of 304 Bottom 24.7% in 1B-3B tier