# COMMUNITY FIRST
LAKEVIEW, MI · NCUA charter 24199 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/community-first-24199

Who the members are: federal charter, community charter, organized 1985, low-income designated. 13,807 members of 166,465 potential (8.3% of the field); checking penetration 76% (share draft accounts per 100 members); loans per 100 members 51.

**Verdict on the desk:** this could be *ordinary*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $146.9M |
| Members | 13,807 (3.5% YoY) |
| Full-time staff | 55 |
| Net worth | $12.1M |
| Net worth ratio | 8.2% (p6 of band) |
| ROA (annualized) | 0.23% (p19 of band) |
| Total delinquency | 1.80% (p91 of band) |
| Net charge-offs (annualized) | 0.59% (p73 of band) |
| Loans / shares | 92% (p91 of band) |
| Cash / assets | 9.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.56% (p99 of band) |
| Operating expense / assets | 6.20% (p98 of band) |
| Vehicles % of loans | 16% (p15 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 1.68% (p87 of band) |
| Vehicle NCO | 2.13% (p93 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 59% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 53% |
| Core shares % of member funds | 68% |
| Certificates % of member funds | 28% |
| Average share balance | $4,286 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $0 |
| Loans outstanding per 100 members | 51% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $17,466 |
| Loans granted, annualized | $45.9M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $0 outstanding purchased (0.0% of net worth), $297,484 sold and retained. Sold in 2 and bought in 0 of the last 8 quarters. Shares 3.6% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | thin capital, capital below 7%, loans>95% of shares |  |
| 2016-06 | 4 |  |  |
| 2016-09 | 4 |  |  |
| 2016-12 | 4 |  |  |
| 2017-03 | 2 |  | capital below 7% |
| 2017-06 | 4 | expense trap, delinquency 2x band |  |
| 2017-09 | 5 | net worth falling |  |
| 2017-12 | 8 | capital below 7%, delinquency rising |  |
| 2018-03 | 6 |  | net worth falling, delinquency rising |
| 2018-06 | 6 |  |  |
| 2018-09 | 6 |  |  |
| 2018-12 | 5 |  | delinquency 2x band |
| 2019-03 | 6 | net worth falling |  |
| 2019-06 | 6 | delinquency 2x band | net worth falling |
| 2019-09 | 6 |  |  |
| 2019-12 | 5 | delinquency rising | capital below 7% |
| 2020-03 | 3 |  | loans>95% of shares, delinquency rising |
| 2020-06 | 6 | capital below 7%, margin squeeze |  |
| 2020-09 | 5 |  | delinquency 2x band |
| 2020-12 | 5 |  |  |
| 2021-03 | 5 |  |  |
| 2021-06 | 4 |  | margin squeeze |
| 2021-09 | 5 | delinquency 2x band |  |
| 2021-12 | 7 | net worth falling, delinquency rising |  |
| 2022-03 | 7 |  |  |
| 2022-06 | 7 |  |  |
| 2022-09 | 6 | loans>95% of shares | net worth falling, delinquency rising |
| 2022-12 | 6 |  |  |
| 2023-03 | 7 | delinquency rising |  |
| 2023-06 | 4 |  | capital below 7%, delinquency rising |
| 2023-09 | 4 |  |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 5 | net worth falling |  |
| 2024-06 | 3 |  | delinquency 2x band, net worth falling |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 | net worth falling | loans>95% of shares |
| 2025-03 | 2 |  | net worth falling |
| 2025-06 | 3 | delinquency 2x band |  |
| 2025-09 | 3 | net worth falling | delinquency 2x band |
| 2025-12 | 2 |  | net worth falling |
| 2026-03 | 4 | delinquency 2x band, delinquency rising |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-09-12 [Former Remus gas station and car garage converted into new bank branch - Big Rapids Pioneer](https://news.google.com/rss/articles/CBMipgFBVV95cUxQYXdmeTd4cXJTd1ktRC1iXzluVV84NnVSenhEQjQzWXUwTlAwbXdWWEJaZzFpVGN4djd0ZG1vRVZmZFVNQmdqU1o5VWxnb19WZWFqRm5TeU15M3JIYVd1cmdvcEoyTUF0eW5CWWQ4SXlHWWRmcGFZMkM2MElxRVBGVnNiUDYyWW1oVWpmSUxqVXF0Nk1vY1ByUmJ1RjVPNy1DSnppd3Fn?oc=5) · Big Rapids Pioneer
- 2024-06-11 [Community First Credit Union building-out in Beachwalk - Jacksonville Daily Record](https://news.google.com/rss/articles/CBMipgFBVV95cUxPRUVWek9ZOWZ3UzUzWm84TUN2UXVkZ3N6V2pHZGExWE9WNFBPRm9Wbks3R25BVTFDVWZ6aWFRWGVyTHpBREdqSUxRX1JscXY5RmMtUW91U1luaUprSVFSYjNIMkJyUkhDcDZsaGVLNkgyM2dRakxnMHRGTFh0OTRGOFdIVkE5R3ZROVEwOFVUYTVYUFJFWWdTRm9FRXh2dkFUWGY1Y3h3?oc=5) · Jacksonville Daily Record
- 2025-09-24 [Law enforcement responds to false bomb threats in Montcalm County - WZZM13.com](https://news.google.com/rss/articles/CBMiuAFBVV95cUxONXpTZ2NyNTh2b21vSFVhaWQ3eTNhcldBZk11WjdfMWxmT3VGclJiblhSZ251OENVeE5oTzE0c3ZwZGRQUEY1SFUwenpGTDloSFFXQTlyTlZ0Qm5hdUU2QzZUQnFMYlVTVDFzczAzc053U2paaGxqVm9uQXNoQ0xDaGxJOTEzWlY4ZjVORU14bHI0SG5hd1dtbkRNWExUWjJRU3E5RHNmRzE3aHRuUG9TZG53aGVvVDRi?oc=5) · WZZM13.com
- 2024-07-02 [2012-2024 List Of Failed Credit Unions - Bankrate](https://news.google.com/rss/articles/CBMib0FVX3lxTFBqUTBmbUhvaEh6UXpMOERnZTMzUjU2djBQVUVxMHd4UmZFRF84OWFtelZtZXQ3eTF5ZE5fbE5YVTRIUWd2dDVDWjZxZ3F4d3gwRFhMV2FyT21RWXlTLVVoRTE5Z0R1Ql9iMHVmYndZUQ?oc=5) · Bankrate
- 2025-09-26 [Suspect in bomb threats to credit unions and high school arrested - FOX 17 West Michigan News](https://news.google.com/rss/articles/CBMixgFBVV95cUxQelZpb1pVYXBZVW5Pa3BCcTQwMkZvTy12WVpDSnFZNFZKUEdmLVJNZ0ZnLUZaQmRWQUQ4RDVGZEFMdGgxYWdnNlN1Z1hwY2N1Q0dmMnZtQVFVX3FsYnh6eXQwbGc5VWJWanl5clFjYkVGaEluRU1WNTlwZnU4dmhJY0ZFcGVqMHhlMzZFaFJRWnF6UzAzQTdxUWhxMklkcjVYZE5WTWZ1SlUtb3hNQUFyVnpNbVRBVGxjdGk0ZXJqdGRHcS1CaUE?oc=5) · FOX 17 West Michigan News
- 2025-08-29 [NCUA Bans Former Wisconsin CEO, Louisiana Head Teller for Alleged $1.7 Million Theft - CUTimes](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNM1pNeW5nNTZMS2VhWWdMQ003N2dhTTgtN05NSkpZOWVxT2pnVFFSN1hHakJmd2tGUGVqNlhGNldMX0VrU3NubHBJWEtVT2d5a0NrR01EUGdZUDh0TGRzc3U4d1NqVTJBVWJyQmp5TU04b2FYZlZpVlVGSElkSzkxRE1HZWNMcTh5Mmt4UHBwRS1BWVkyNUJIZ29jb21OZlU2ZklaY3Q3aU5LaTM4TG9odDFKcW1MYU5F?oc=5) · CUTimes
- 2025-09-24 [Michigan high school, multiple credit unions targets of related bomb threats - MLive.com](https://news.google.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?oc=5) · MLive.com
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24199 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/7.json (key "24199", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=24199
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide