# COMMUNITY FIRST
HANNIBAL, MO · NCUA charter 64746 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/community-first-64746

Who the members are: state charter, organized 1952. 1,186 members of 40,000 potential (3.0% of the field); checking penetration 27% (share draft accounts per 100 members); loans per 100 members 47.

**Verdict on the desk:** this could be *too clean*. 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 | $8.3M |
| Members | 1,186 (8.7% YoY) |
| Full-time staff | 2 |
| Net worth | $959,669 |
| Net worth ratio | 11.5% (p27 of band) |
| ROA (annualized) | -1.39% (p8 of band) |
| Total delinquency | 0.15% (p29 of band) |
| Net charge-offs (annualized) | 0.42% (p73 of band) |
| Loans / shares | 86% (p88 of band) |
| Cash / assets | 23.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.55% (p93 of band) |
| Operating expense / assets | 4.46% (p69 of band) |
| Vehicles % of loans | 54% (p39 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.21% (p40 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 16% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 14% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 84% |
| Certificates % of member funds | 16% |
| Average share balance | $4,673 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 47% |
| Loans granted per 100 members, annualized | 32% |
| Average loan balance | $11,344 |
| Loans granted, annualized | $4.6M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | losing money |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 5 | thin capital, net worth falling, charge-offs p90, members leaving |  |
| 2017-06 | 5 |  |  |
| 2017-09 | 2 |  | thin capital, net worth falling, charge-offs p90 |
| 2017-12 | 1 | assets shrinking | losing money, members leaving |
| 2018-03 | 2 | losing money |  |
| 2018-06 | 2 | loans>95% of shares | losing money |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 3 | losing money |  |
| 2019-06 | 1 |  | loans>95% of shares, losing money |
| 2019-09 | 2 | loans>95% of shares |  |
| 2019-12 | 2 | delinquency rising | assets shrinking |
| 2020-03 | 1 | net worth falling | loans>95% of shares, delinquency rising |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 | delinquency rising | net worth falling |
| 2020-12 | 1 | margin squeeze | delinquency rising |
| 2021-03 | 2 | net worth falling, delinquency rising | margin squeeze |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 0 |  | delinquency rising |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | losing money |  |
| 2022-06 | 3 | delinquency rising, charge-offs p90 |  |
| 2022-09 | 3 | delinquency 2x band | charge-offs p90 |
| 2022-12 | 2 | net worth falling | losing money, delinquency 2x band |
| 2023-03 | 3 | losing money, delinquency 2x band | net worth falling |
| 2023-06 | 2 |  | losing money |
| 2023-09 | 0 |  | delinquency rising, delinquency 2x band |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 3 | delinquency 2x band, delinquency rising, charge-offs p90 |  |
| 2025-09 | 0 |  | delinquency 2x band, delinquency rising, charge-offs p90 |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | losing money |  |

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

- 2025-12-08 [Community First Credit Union acquires First Southern Bank - Equipment Finance News](https://news.google.com/rss/articles/CBMitAFBVV95cUxQWGZ5MkZWTDBSSnZqYklPUVBvRVJ3bnVRaDJDcEpHWFdJSUl6eGk4NTJ5b3Q2dlBHRU5pT1VFR0JqUnRRTC1NbzU4ellFSS1Ga0dlSHpWcU9OQ3NNd3Rpal95VnN3S01zeGE4UnRNbnBPT0YyWGE3bE90Sm9sRHZDWlRVNE1ZM0s3OXhSWjlNY0w5OEJ3a1V1UGtzTUhXbXlJRjV5UG9mVnhWQ2t0RU1Nenl4M1Q?oc=5) · Equipment Finance News
- 2024-02-28 [What Is a Shared Branch Credit Union? - NerdWallet](https://news.google.com/rss/articles/CBMie0FVX3lxTE05aHc5ZHY5WV9ObGRUMUxWNjQwbFRaR2R4MEcyVHVhWW91QmRzeHcxSExYMzFQUE1CLUxRTzNGVWpkVFRQa0lRTHpQb19aU3pJN2N3N0YwTEhFRU9Dc2FsdEcxN3ZoTzVlTTlzUnFiV0NqNGpoQnRGaU53TQ?oc=5) · NerdWallet
- 2025-08-13 [NCUA Approves 45 Credit Union Mergers During 2025’s Second Quarter - CUTimes](https://news.google.com/rss/articles/CBMiowFBVV95cUxQQkU1Wk5iWXZYbVlIaVFEbVc2VkFZQkEwaE0yWmZZODNNVjg4WFdyeDk0VnJPbkEzLXljSDNydkJDM2d4R1h2aU5oeUJmQmE4TENlcWY5TEtZWnlZWjdYcmdMQ01RNlBkV01pdl8wb2FDaW5NYVBXWDY4OTVVYmp1SVFfQ0JHMWtFVmRoUEhjeHl5c3NTTDQtTVhReGo2Y0NuZkFn?oc=5) · CUTimes
- 2017-07-26 [Mendo Lake Credit Union gets new name in merger - The Ukiah Daily Journal](https://news.google.com/rss/articles/CBMipwFBVV95cUxQc3k3VUdRZ1E5VHU0dWN6NnprN2xDSDF4MGNPUUp1M29HRFRpajU0OU1oWEZ2al8xcXBWZDJqblNjR21SekNaUGo4QllJRUZ0dGtvaE1CcVdlSy1wMjcyaHBsa3FfUTQtdFo5VmRWR0NOcWwydEZhNWliSXYzZFNQbGk0UEt1WWJCN1pZTk1jaW15OFJzRU8tZVJWaXhaZ2FZVjdUR3U4TQ?oc=5) · The Ukiah Daily Journal
- 2011-08-16 [Holy Rosary Credit Union reaches out to underserved communities - The Catholic Key](https://news.google.com/rss/articles/CBMioAFBVV95cUxQa3F6SE9qaF9nbGwzY2ozZmRTMG1vb1l5Umo0V0lrbTVvV184eHZYYjB3dnBxZEFBQ1ZuQUlNZ2VUbldPMWc0R3R6aUZEbDNDVzJJZTRJa0NWLXEwMHh1TXkyYVJsdE5pLUdOZElnQ2laZ0xIOFJtaTQxczQtMllpbzlvdnk4MFpyRTRkU0ZFLWZmU1RicGMyTWlKaGJCQkhP?oc=5) · The Catholic Key
- 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
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity
- 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

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=64746 (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/42.json (key "64746", 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=64746
- 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