# FIRST COMMUNITY
Jamestown, ND · NCUA charter 60103 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/first-community-60103

Who the members are: state charter, organized 1939, low-income designated. 46,705 members of 845,000 potential (5.5% of the field); checking penetration 77% (share draft accounts per 100 members); loans per 100 members 47.

**Verdict on the desk:** this could be *ordinary*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.53B |
| Members | 46,705 (0.3% YoY) |
| Full-time staff | 252 |
| Net worth | $184.6M |
| Net worth ratio | 12.1% (p72 of band) |
| ROA (annualized) | 0.71% (p50 of band) |
| Total delinquency | 0.47% (p35 of band) |
| Net charge-offs (annualized) | 0.05% (p2 of band) |
| Loans / shares | 95% (p79 of band) |
| Cash / assets | 4.5% |
| Borrowings / assets | 12.76% |
| Net interest margin | 3.07% (p35 of band) |
| Operating expense / assets | 2.85% (p30 of band) |
| Vehicles % of loans | 10% (p13 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 1% |
| Third-party paper % of net worth | 1% (p8 of band) |
| Vehicle delinquency | 0.37% (p24 of band) |
| Vehicle NCO | 0.25% (p6 of band) |
| Repossessed % of vehicle book | 0.05% (p43 of band) |
| Real estate % of loans | 17% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 393% |
| Core shares % of member funds | 44% |
| Certificates % of member funds | 30% |
| Average share balance | $6,154 |
| Participations bought / yr | $0 |
| Participations sold / yr | $2.1M |
| Participations outstanding | $22.0M |
| Loans outstanding per 100 members | 47% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $49,807 |
| Loans granted, annualized | $543.6M |

## Participation posture (from the same filings)

Bought $0 and sold $2.1M in the latest annualized quarter; $22.0M outstanding purchased (11.9% of net worth), $37.4M sold and retained. Sold in 8 and bought in 2 of the last 8 quarters. Shares 3.5% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | loans>95% of shares |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | leaning on borrowings |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | delinquency 2x band, delinquency rising, charge-offs p90 | loans>95% of shares, leaning on borrowings |
| 2018-06 | 3 | loans>95% of shares | charge-offs p90 |
| 2018-09 | 2 |  | delinquency 2x band |
| 2018-12 | 3 | delinquency 2x band |  |
| 2019-03 | 2 |  | delinquency rising |
| 2019-06 | 3 | members leaving |  |
| 2019-09 | 4 | delinquency rising |  |
| 2019-12 | 1 |  | loans>95% of shares, members leaving, delinquency rising |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | margin squeeze |  |
| 2020-09 | 3 | net worth falling |  |
| 2020-12 | 1 |  | delinquency 2x band, net worth falling |
| 2021-03 | 3 | expense trap, delinquency 2x band |  |
| 2021-06 | 1 |  | margin squeeze, expense trap |
| 2021-09 | 0 |  | delinquency 2x band |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | net worth falling |  |
| 2022-06 | 0 |  | net worth falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | leaning on borrowings |  |
| 2023-03 | 0 |  | leaning on borrowings |
| 2023-06 | 1 | leaning on borrowings |  |
| 2023-09 | 3 | net worth falling, loans>95% of shares |  |
| 2023-12 | 2 |  | loans>95% of shares |
| 2024-03 | 2 | delinquency rising | net worth falling |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 1 |  | delinquency rising |
| 2025-03 | 0 |  | leaning on borrowings |
| 2025-06 | 1 | leaning on borrowings |  |
| 2025-09 | 2 | delinquency rising |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |

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

- 2026-07-28 [SIUE Athletics, First Community Credit Union Announce Groundbreaking Partnership Expansion - siuecougars.com](https://news.google.com/rss/articles/CBMi2AFBVV95cUxQb2VPVWh4dlVITHNxR2ZJRHN3Y1Q3aVktTUlPdnQ1RExBMXhsc3Q4RE1adFZVMjNtdUs3M1ZQOEhxZTZ3MFpwblA0Z3I5Q19VOUtBNmdqYVhJa29wTDhZZlRNd3ZwQ1RaeGFWMHpMdF9LSFc3WndGRm1wR245eFBIdGpWc2s3UUlhLWVmRzJpTlNmM1VxUHY1bTNlNUt2UUpqZWkzdUZqcVBCRlBnVGR3a0JYUGJSRUVNZk5SdXh1bFdLUWttY2E1bVZDRzh6ZGlLdlV5bDVicTk?oc=5) · siuecougars.com
- 2026-01-07 [Perfect Game and First Community Credit Union announce Chesterfield Athletic Complex - CUInsight](https://news.google.com/rss/articles/CBMiwwFBVV95cUxOUC1mUnQ0Y25XQVc2aU52YTZSWWR0eDZRU0pSSjZFVHR6cFI5aHNvcjNSNmxUcUZVbmxxLTd5Szh0N0xqRzRJTnZwNWdmejR3Yk1DMDBYaFpFTXUxdGxIdWM2RWdORWFQR2ptRm1vTUpVVVBPYWFYU2FVUlJCamstVnpkNFhhMFB3UnIxblMtcGd2bWNrNzFVWElzdXQ1d1JqdVRGMGRDVGxuN0Y5RS1YZDNQbFdzZzlGajhTMXVOVXp0T1U?oc=5) · CUInsight
- 2026-08-20 [First Community's GENIUS credit card program gives $19,000 to Houston-area schools - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxOYUdiU2FvdFppQUNsb2xNTFVrbEpzYXJUVGtlWDhGVGJOdG9vc2d3NUQ0Z3ZySWNhV0dKb0hScF9zRWdNOHdkUEtMckp5R2pXTkNqWExneFpndjVQQVB1ZW8tcGN0RUJhcGI5eGZTSjRNd2lGQTU4SEp0enpCRzl2MnVuX0FkTnBJakZhcnRQR3dqZVJET0Vkb0VTMzFJQlJDQnRKRjBB?oc=5) · The Business Journals
- 2026-09-02 [The best credit unions near Houston - Chron](https://news.google.com/rss/articles/CBMiakFVX3lxTFByd3FwR2MyYUVxZW9EdktCYWRyR3lKWjlCRTBzcXlnSUN2NUYxYzNaTmZqMEdPWThnY3dHblpUTUw5STJKU05idWEyREpoOVJrSXg3MmRuay1MeUI2N3lJLVRvT21hbkpFdWc?oc=5) · Chron
- 2026-03-04 [First Community Credit Union Announces Purchase of Future Headquarters Building in Northwest Houston - PR Newswire](https://news.google.com/rss/articles/CBMi7AFBVV95cUxNNllaYXpTbzlLWHFHSEJIQlJlVnhwQUlRY2NsWDlfUVBQMlNXT25udzRicDBhX2diUG5BUnpTTy0zN0hRTzJvMllYSkhSRm5rbFhtLUZJbjJXZXRWSVZqM1RZT0ZrekUzc05kenhvLVNkVjBNeFRwTVRtdXhzcXJLNWhuTV9qSmhJdGVsR0ZzRDVaak9yRzJFaGNHd3plZmV4VmJfYTIyd0M4cUVfdnZFOW0wa2hDekduRjh3cUFxSVc4YzFJUVdQN3JUQmpteUc5bF91bFU1RFZKUmJBcldWUUdZRnpwX0tkdFFmVA?oc=5) · PR Newswire
- 2026-06-03 [First Community Credit Union Awards $72K in Scholarships - News Dakota](https://news.google.com/rss/articles/CBMiowFBVV95cUxQZm9sSFE0dEF6Zm5LWnhmZDhMa202S2c1ejRHdDJVY2VQMUVGR1FYb3hhLXB4eWZrZjFXbExZRXNnUXZTMXNtV0hBcmFzdEhIXzc1UFhFdDhoNy1LZ2MybVBxM2twRXoyQ2dhMkxnU05rSzd6R0NCZDZVNnZpLTNfOEhBRURjNDRCYloxZXlCTDY0eThHX2NlejNvX0NXSmxFaVNr?oc=5) · News Dakota
- 2026-04-30 [First Community Credit Union and Space Cowboys Announce New Partnership - MLB.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQMjF3ZGFFLWRLb1RTMTR1RWR1Tmt1OTVDdEFhTk5PWFFvbzBNbl9ZOXZTajQ4Q2tEcWpfT3p2MXA0eUFGNUlEZ3NlZGl6UGVoYWZXN3pIT3NzcGRUdEx4OTYwWnpveFFQSl9BNm9TOVJhbjFQNF9OVm8taTJOendya0pKaVFPMHlGbGNrMQ?oc=5) · MLB.com
- 2026-04-30 [First Community Credit Union and Space Cowboys Announce New Partnership - mlb.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxPZzhDbkVMbWNNOGJmMVJJd0JabnNuR2hva0E2dlhLbEdhSmxhLUVVMl9wdEZKdFg0TWFtbWxUZFFXVzNlMDQwWHZoNFBLNWhlOEU2cUxLVk9BbFZNUjB5WHgtUHE5Z1RZN1VVWUM2OHNkYlVobUdKbnpMU2ZGNmdFVVBLV2FUUU1FbDBqb2NobENtdw?oc=5) · mlb.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60103 (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 "60103", 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=60103
- 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