# COMMUNITY FIRST
Ashtabula, OH · NCUA charter 61094 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/community-first-61094

Who the members are: state charter, organized 1955. 4,956 members of 98,000 potential (5.1% of the field); checking penetration 60% (share draft accounts per 100 members); loans per 100 members 54.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $98.7M |
| Members | 4,956 (-2.5% YoY) |
| Full-time staff | 16 |
| Net worth | $13.5M |
| Net worth ratio | 13.7% (p60 of band) |
| ROA (annualized) | 1.31% (p79 of band) |
| Total delinquency | 1.21% (p79 of band) |
| Net charge-offs (annualized) | -0.43% (p1 of band) |
| Loans / shares | 55% (p41 of band) |
| Cash / assets | 9.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.77% (p55 of band) |
| Operating expense / assets | 3.09% (p33 of band) |
| Vehicles % of loans | 24% (p21 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.68% (p57 of band) |
| Vehicle NCO | 0.15% (p46 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 31% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 124% |
| Core shares % of member funds | 63% |
| Certificates % of member funds | 17% |
| Average share balance | $8,170 |
| Participations bought / yr | $3.3M |
| Participations sold / yr | $0 |
| Participations outstanding | $15.7M |
| Loans outstanding per 100 members | 54% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $17,333 |
| Loans granted, annualized | $13.6M |

## Participation posture (from the same filings)

Bought $3.3M and sold $0 in the latest annualized quarter; $15.7M outstanding purchased (116.0% of net worth), $589,244 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 1.8% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | losing money |  |
| 2016-12 | 0 |  | losing money |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 2 | delinquency 2x band, delinquency rising |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 1 | assets shrinking | delinquency 2x band, delinquency rising |
| 2018-12 | 1 | delinquency 2x band | assets shrinking |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 | net worth falling | delinquency 2x band |
| 2019-09 | 0 |  | net worth falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 3 | margin squeeze, delinquency 2x band |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 2 |  | delinquency 2x band |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | margin squeeze |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 | delinquency rising | net worth falling |
| 2022-09 | 0 |  | delinquency rising |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | assets shrinking |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 2 | delinquency rising |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | assets shrinking |
| 2024-12 | 0 |  | delinquency rising |
| 2025-03 | 2 | net worth falling, repo signal |  |
| 2025-06 | 1 |  | net worth falling |
| 2025-09 | 3 | delinquency 2x band, delinquency rising |  |
| 2025-12 | 1 |  | repo signal, delinquency 2x band |
| 2026-03 | 1 |  |  |

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

- 2024-05-31 [Community First Credit Union Data Breach Lawsuit Investigation - ClassAction.org](https://news.google.com/rss/articles/CBMijwFBVV95cUxOTERtRUlQbnY3c194Y2lMS29ZMGlhOGNaM0hWZ284cGs2TEZBZE1NRDFPSi1BaTREZ25kcDd2c3FIOW5neTZYR0pSUnI1OGp3TzJXdkk1NDh0NGhDU3RSRkI0ei1hN25rUnlmd0VSS2FHb1ZOSkFMZjljcTVNSXpBV2pGQjFLVHk2a25EdlNqcw?oc=5) · ClassAction.org
- 2022-08-30 [Somebody Actually Started A New Credit Union. Here’s How They Did It. - Next City](https://news.google.com/rss/articles/CBMiowFBVV95cUxQREZsRWVqVTMxMGtFNHkyZjdtNG5fM2Qyd0lTTGVWQ2R4VE1XM25QUWFJbXZkdldnZXJLVnVMVExSSVIwLTBTcTdsNXZMV3dsTGZJNWxHN0poMzhGb0hEQm1sVXM5YWNNQkpvRGUyNHdVWklXdHRGY2k3TG9oRTZpUmtfR0plMkRNVmdMSzR5YjIyY0cwRmdxV1AxWTB5RUdsaTNj?oc=5) · Next City
- 2024-07-02 [2012-2024 List Of Failed Credit Unions - Bankrate](https://news.google.com/rss/articles/CBMib0FVX3lxTFBqUTBmbUhvaEh6UXpMOERnZTMzUjU2djBQVUVxMHd4UmZFRF84OWFtelZtZXQ3eTF5ZE5fbE5YVTRIUWd2dDVDWjZxZ3F4d3gwRFhMV2FyT21RWXlTLVVoRTE5Z0R1Ql9iMHVmYndZUQ?oc=5) · Bankrate
- 2021-05-25 [Community First Credit Union to open Jefferson branch - Star Beacon](https://news.google.com/rss/articles/CBMi3wFBVV95cUxQOERpeVQ2MjZzaHlhWFBRcGFWcjZRTFNJLWpaZUNwbGU2ZXJuZjBwWU9nSVNGc1MyUUxmR3h0OE91QTlsRWxEN1pITEZyWWJlWTJScW1TMEptUTB6XzJtZDJBQVV0LWZtcU9BWHRzZDNYVFltZjJoX0hnMGl6eW5lZzl2dVp5Z1JLNDlOWllvVWNwUUFjUVF1NEN4VUp0TEZqeWlYU1BqdUh6b3lHUm5kTDZLckZjTERxczZ1aWtxSXRwRzZPZ2NRNGN5RVFrTFNEU3NiWmVEN25hN3FXdS1J?oc=5) · Star Beacon
- 2015-08-27 [Looking back: 1993 Community First Credit Union Marathon - The Post-Crescent](https://news.google.com/rss/articles/CBMixwFBVV95cUxQdUVBNXhwMEh3VVpNT19DSkN0T0FjbU5QX0hjU21wRjdLcEhsc2Z0X1RQN2ItMzV6aUE1SlhMUEQxVDVZRTZYSExxdGVVWHNLRHN6aFhLUFc2RGUzaDRYVDJzaUJRX1YzMEhjN2xHTmFKRVdZcVBzbUItZ292eVRfSEowRUhSQ1JiSTUzVGJNNTJSVjZZWWtzWkxtaW1Qa2VlNG96eVlyaUcwVldOa25fQS1EMjlRYWtUd1NlaEQ5cmduay1CNzZ3?oc=5) · The Post-Crescent
- 2022-08-18 [Bailout List: Banks, Auto Companies, and More | Eye on the Bailout - ProPublica](https://news.google.com/rss/articles/CBMiV0FVX3lxTE9yUjlLUHlRTkFPekMwR3J1MXFxS2o0OWc3cTFybnY2U1ZhZ1BkTVRweEE5bXJuWnVSTTRxWk1malZlQ2dPUVpHSTk0OTZfNUg3aGpUVVJrbw?oc=5) · ProPublica
- 2024-09-23 [Google Wallet now supports 47 more US banks (and one new service) - Android Police](https://news.google.com/rss/articles/CBMilwFBVV95cUxPNlpuR1J6Q2JwOXFsMExVdW1KWXhaUk1CTXVpdk1vMndxbjBJNWw2TzEza1NPV2FDdE1KU3gwdEdIWjJYUWpQZzZpcXdYaThzZnhaXy1ZYUpINjZaTjhCb001aE9taVdtMklUMkZZVlB3WkFDOUUxNFdudncxX0NfaVNFZk5jR1I0VmlMZE1ka2JoQy1sYXlN?oc=5) · Android Police
- 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=61094 (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/38.json (key "61094", 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=61094
- 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