# COMMUNITY 1ST
DUPONT, WA · NCUA charter 60079 · asset band $100-200M · latest filing 2025-09 · stopped filing after 2025-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/community-1st-60079

Who the members are: state charter, organized 1934, low-income designated. 11,027 members of 6,302,879 potential (0.2% of the field); checking penetration 44% (share draft accounts per 100 members); loans per 100 members 67.

**Verdict on the desk:** this could be *ordinary*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $191.0M |
| Members | 11,027 (-9.4% YoY) |
| Full-time staff | 46 |
| Net worth | $22.0M |
| Net worth ratio | 11.5% (p47 of band) |
| ROA (annualized) | 0.00% (p8 of band) |
| Total delinquency | 1.17% (p74 of band) |
| Net charge-offs (annualized) | 0.46% (p66 of band) |
| Loans / shares | 68% (p40 of band) |
| Cash / assets | 35.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.51% (p42 of band) |
| Operating expense / assets | 3.97% (p62 of band) |
| Vehicles % of loans | 3% (p2 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 41% |
| Third-party paper % of net worth | 6% (p39 of band) |
| Vehicle delinquency | 0.18% (p17 of band) |
| Vehicle NCO | 1.93% (p92 of band) |
| Repossessed % of vehicle book | 0.25% (p89 of band) |
| Real estate % of loans | 4% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 52% |
| Certificates % of member funds | 35% |
| Average share balance | $8,570 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 67% |
| Loans granted per 100 members, annualized | 3% |
| Average loan balance | $14,861 |
| Loans granted, annualized | $5.1M |

## Flags firing in the latest filing

- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 4 | losing money, delinquency rising |  |
| 2017-06 | 2 |  | losing money, delinquency rising |
| 2017-09 | 3 | losing money |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 5 | net worth falling, delinquency 2x band |  |
| 2018-06 | 7 | delinquency rising, loan book shrinking |  |
| 2018-09 | 8 | charge-offs p90, members leaving | delinquency rising |
| 2018-12 | 3 |  | auto monoline, delinquency 2x band, loan book shrinking, charge-offs p90, members leaving |
| 2019-03 | 1 |  | losing money, net worth falling |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | losing money, delinquency rising | 3rd-party paper>100% NW |
| 2020-06 | 3 | net worth falling, margin squeeze | losing money |
| 2020-09 | 3 |  |  |
| 2020-12 | 2 |  | delinquency rising |
| 2021-03 | 1 |  | margin squeeze |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 4 | delinquency 2x band, delinquency rising, repo signal |  |
| 2022-06 | 1 |  | net worth falling, delinquency 2x band, delinquency rising |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 0 |  | repo signal |
| 2023-09 | 1 | members leaving |  |
| 2023-12 | 2 | assets shrinking |  |
| 2024-03 | 5 | delinquency 2x band, delinquency rising, loan book shrinking |  |
| 2024-06 | 3 |  | delinquency 2x band, delinquency rising |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 |  |  |

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

- 2025-10-01 [Harborstone Credit Union completes merger of Community 1st Credit Union - CUInsight](https://news.google.com/rss/articles/CBMisgFBVV95cUxNXzVlWlFOMVZlbXlEdjdSUllzVnZIQUJVSHVFY0IzblpFNER2MzlLTVlkeDN4M0ZEbWtPUkJCcmlYczE5am5tc3lGQm0zOGxUbkx5cWhBcGt6bEpLc3RidTJrYjZPMmMxRFd5ZWRUVFJCdUcyNDlOWUtFWURaY2JLTUZ3SFpmaU5Jdzd0aVo1dEJEckFnc0xwTkJrX29lWDg0c3hVdjNBTTJrZms4WldNc3Rn?oc=5) · CUInsight
- 2025-12-25 [Washington - Newsweek Rankings](https://news.google.com/rss/articles/CBMikgFBVV95cUxPOHdtODhCYTFpVGNBalVIN05VcWIyd0JwM29HdHlEVDBjVXZuTXMwRTA1SXJGZUo3N3R4Y1dKUUNPenhPRHdMZzhTQjZBYmtpdGlLcnZET3ZWaDNEUmZMek9ublRCOWIzZlI0WUZxbzd4bDcxMmhWSnpTLUZoS1N4RXBDYm4tNEVpWG0xUDZsSlhJUQ?oc=5) · Newsweek Rankings
- 2025-12-08 [Marquis Software Solutions Under Investigation for Data Breach of Over 780,000 Financial Records - Schubert Jonckheer & Kolbe](https://news.google.com/rss/articles/CBMickFVX3lxTE1vZVQ4bU5jSFVZOGJmZmVqbDJWLXBOcHcxWUZISVE3djVZZVM4ZHFaRTdFTk9vMGptMU5fY2NjMmNRRlRSX1BHVEJ6VjdDeHlSNEZIeTNYU2VoYVRaaDZqT2otMUJvaEROYWx3OWdlQmdIZw?oc=5) · Schubert Jonckheer & Kolbe
- 2020-05-11 [Keough awarded Community 1st $2,000 scholarship - Oskaloosa Herald](https://news.google.com/rss/articles/CBMivwFBVV95cUxOZnAyWDlfUGVwZkdYREl6YV9ndTA4MjFxaC1BekEtVmlGMHp6OVNlbGRhbUhfU1EwSmV0cHZfbUZoYzU0Z254TFVDVXRDaFhsYWhoSWU0SG1RZzBKaVhPT0ZnZmpmTjNXQTdkSUFmT1h5dmtCSDZ4WUxiaWRReU1qbGVQMTFKbHFRTjlwRGRNckQxN25nT1BoQ3FpaHZFZzN3ajYtS0gwd3B0M21TVjRnSUVlOVJsbmdjVWxPcFFJZw?oc=5) · Oskaloosa Herald
- 2023-03-06 [Ottumwa Symphony Orchestra “Featuring Our Own” Draws Rave Reviews - Ottumwa Post](https://news.google.com/rss/articles/CBMiuwFBVV95cUxNRnJ1ckdpNDl2b1FTY0I1R2hHcm5nYXdwZS1JX2ktUlZBWVQ0MjQ0UHAyQ3MyU3ZlMzhVVWFNRnFxeWFRNU5hcG1jM3F5NHhVT29USi1zaW9UdE1ESENLaFFkdUw2M1lZUGZ3aVlQRmFkSUpZN0xBalZwZ2F2anFfck8xcTBJa0RmTnluWlhhR1VyQTlrNnJ5dk5fa3JPSjFEalJiUi1pUTA3NVhEVXZRV0g3bGhqbE8xRGZZ?oc=5) · Ottumwa Post
- 2025-04-08 [America's Best Regional Banks and Credit Unions 2025 - Washington - Newsweek Rankings](https://news.google.com/rss/articles/CBMikgFBVV95cUxQQ2t1bEtIZVZ0MjQ3V3lITm9lYTdwMGZfOC1aTFIzQTlLQ3pHV19hTXhRWGtHbWpaR2dTVlNva1MyMmdtOFFIZ3RQNHROMGs3b0xvckYtSXBsMlJjeTVET1hCbzhGR0F3VnJQcXpodHlvRTZVSHNQT0hieXFibGVZSHdocDBGeWt2eElGdFVENFhhQQ?oc=5) · Newsweek Rankings
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore
- 2019-07-08 [Indianola rallies to repair home for family facing medical bills - The Des Moines Register](https://news.google.com/rss/articles/CBMikAJBVV95cUxPLTVUMVdGZzR0Y3FnTThKT1RidHdGS0FLTGdGaUh5eFFfM0JjWWtFS2lCclRIVURUNzBhNldLeF9jcVBDTjdOMjE2elh5RkdQcUU3d3JyZGdfQ3ZKTTBiSHR2cko3TVBxbWtkbXFFU1JMZl9YazZjVmFDUmpRcHRZWjZOYkhmSHJ5Uk9INDJldy1UOGZKVXhFcWYtQWIyRGo1S2IyQXJFVWpzbGF5QjFmNUNoelpuRU9XeVFGdlR1STlQeEhSQ2hHUjJHTjN4UGMwelJsLTk2OVVLOGF2T09Eam5DdXdEMVhtUkg3X1hpMVBlNW9IdmQ5VEFkLTAxWnluYU9HalpPV3N4cGFlQ2RDWQ?oc=5) · The Des Moines Register

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60079 (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/47.json (key "60079", 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=60079
- 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.

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