# COMMUNITY FIRST
Appleton, WI · NCUA charter 66642 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/community-first-66642

Who the members are: state charter, organized 1975. 165,633 members of 1,182,067 potential (14.0% of the field); checking penetration 78% (share draft accounts per 100 members); loans per 100 members 60.

**Verdict on the desk:** this could be *fortress*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $6.66B |
| Members | 165,633 (2.9% YoY) |
| Full-time staff | 576 |
| Net worth | $851.3M |
| Net worth ratio | 12.8% (p80 of band) |
| ROA (annualized) | 1.40% (p91 of band) |
| Total delinquency | 0.15% (p5 of band) |
| Net charge-offs (annualized) | 0.09% (p6 of band) |
| Loans / shares | 85% (p46 of band) |
| Cash / assets | 21.9% |
| Borrowings / assets | 0.04% |
| Net interest margin | 2.33% (p6 of band) |
| Operating expense / assets | 1.46% (p2 of band) |
| Vehicles % of loans | 9% (p10 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p6 of band) |
| Vehicle delinquency | 0.56% (p49 of band) |
| Vehicle NCO | 0.19% (p4 of band) |
| Repossessed % of vehicle book | 0.03% (p35 of band) |
| Real estate % of loans | 47% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 213% |
| Core shares % of member funds | 34% |
| Certificates % of member funds | 41% |
| Average share balance | $13,039 |
| Participations bought / yr | $0 |
| Participations sold / yr | $112.0M |
| Participations outstanding | $81.4M |
| Loans outstanding per 100 members | 60% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $49,565 |
| Loans granted, annualized | $1.73B |

## Participation posture (from the same filings)

Bought $0 and sold $112.0M in the latest annualized quarter; $81.4M outstanding purchased (9.6% of net worth), $54.2M sold and retained. Sold in 6 and bought in 7 of the last 8 quarters. Shares 7.8% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | loans>95% of shares |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | loans>95% of shares |
| 2018-12 | 1 | loans>95% of shares |  |
| 2019-03 | 1 | net worth falling | loans>95% of shares |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | net worth falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | net worth falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | net worth falling |  |
| 2022-06 | 0 |  | net worth falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

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

- 2026-08-04 [Community First Credit Union commits $1 million to Fox Cities tornado relief - WBAY](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPVW5RS2p6YU92VExjYjM3VGpEWmlGbkNIWmlPb3U2VjNBNThENjRZMnVGUk1yR1RVRGFrOHo1bDZWZnZwdmh6R0tLM0l5cEhZMHpmenBycDR5dVlNYXVZYVluSUxLWmVsRnBGZWpzQ2MwZ0k0cndRMnhLQ2pOTGU2Q3RSYWpqdTNlUW1oaGE4VTFsUnZ4UGxvbXZFQ1M5ei1COFdvdlBBY3c?oc=5) · WBAY
- 2026-08-04 [Community First Credit Union’s $1 million pledge brings hope after tornado - WLUK](https://news.google.com/rss/articles/CBMi4wJBVV95cUxOemN5dkdqanBZVDZHeGlJMXBNYUoxV2ZYQXV2VW81RTZjYTBIUHoxRGN4Z2RyRHQ0NDBwWEhvem9YaUhNMTRWZ2xQRnhNWC16UUJSUlNWWEhFQ3U2eW4tMXJOR2dTd0tVc1Jzd3NxOG5aN2M4c2xnNW9fRnFqVk1aVGJJdUQ0Z0pYeW41Smk1ZkI3OFhfREFaVlkyUlpveE1sZ3RPMEpFbVVLOUVSd0ZTVVlnc0pUUlF4bDh5Mk5nOWVJeGp0bDE0MjdzSWR6RTNjMkNFR2prNTBuQ3ZCcXU3Y3c1a09QN0tTemtxRjR4cWNleHhoSzFwel9CM3hYNUJxaEhBSXB4RnlUQ2kxdVYxUncwY0l3ZHdUR1JWZWVpY0NGOXRtRzU3ZzlWYkFxb1Z0a1IxbG1hQUtaTEpFbWdhSlhGQWhkT0RBT01rTzhoWV8yNXVaY1MyWGQxbWc0d1Jva2Nz?oc=5) · WLUK
- 2026-07-10 [Community First Credit Union to Break Ground on New Manitowoc Branch - Seehafer News](https://news.google.com/rss/articles/CBMirgFBVV95cUxPeWFTYWQ1b3NNcGJoMktwZVM0UUVaSGpoUVo5WmxtdDBkQ3FOcTNvNHpJX25sTUlFY0RWejM5X2xibTFTRm9CN0xWemoxX3A1WFgwWFgtaC1YRjRXNjJCTVhzS0M2MWJoNVFwNndvdDZRQWstRUd3NENyS2lpTXlvUjNJel9Tb1J3VzlFU2UzY21IaGFOeVZRMHJfWWplYTdHWnNXRjYyaDZIX2g4TkE?oc=5) · Seehafer News
- 2026-01-07 [Four people charged in fraud scheme that targeted two credit unions - Green Bay Press-Gazette](https://news.google.com/rss/articles/CBMi2gFBVV95cUxOSGdCbThBQVFXMkYzN2p6ZTNFdkUtRVhpdW81MzlXQ0FVNE5OSGRoRWFsMy03Tm5lUTUtV0t0ZnF3UzhCN1poS21iM3JxN3hkbFhxclBLM0JMLXNuN1JTekZMWWlFSG8zR1kzRFZoejhhMlNlNjRTWDFrM3BHRTVFc25kQjBnUjRtRXVoc3MydDZFVFVpbnc4dFNBOHhrRFgzS0dEU3BySk5HZV85SkV2YldfcDVKaWdvc0xXbHdhZXNzZzFHeDBOX0VtMWxqQVg1aGFtVE9TQU5aUQ?oc=5) · Green Bay Press-Gazette
- 2025-12-03 [Fox Communities Credit Union looks to 'aggressively' expand in Milwaukee - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQdjZra2QtX2JUOEdhU0dZVmNpc3MtYllCV1BWdkEzUTVENnYxYnU5MVZIaFp0YmRDc1JvQUUweDVmOHlPYlRldFJOeUFnZkdka2JGbS1yZW5jUURYbDF1bUlOVzhINDZadURGWGtNT1BsT3lSUXJkRVdDMmF0Zms5a2hZcVRxZVBoTmIxZ2RVbVVySFNqTmJMZXJ4c3NaSElpY0cybWh6TENhQQ?oc=5) · The Business Journals
- 2026-08-12 [INTERVIEW: Speaking with Amanda Secor of Community First Credit Union about the US Venture Open - WBAY](https://news.google.com/rss/articles/CBMixAFBVV95cUxOUnVJU3B6LWxOTkxIVU9MWU5LMHpFdlRwTWhWTF9aSTRRWURpb0VUSWlPTlJ4MmhKbi1aaDZ1TERpWDQ1UXFBOFVBNk04LXQ0enpCMFo2NVVCRkFTUmxZNTY2T0FNOHdjNDg2Z0FBVnZmbWxnYkJEV2lLbGUzYmVzT0JwNzN5LXpTZ25JckpFcnhvQUVKcWs2SEhfclctX3pUdjBtc2t2cDRXblBlMmRoNnlUZXVrOHhpaWxhMzNlaHllaHJ2?oc=5) · WBAY
- 2025-03-26 [Yogerst joins Community First as Continuous Improvement VP - CUInsight](https://news.google.com/rss/articles/CBMioAFBVV95cUxQalMyMWFyNXlweEttSFFLc281cjFnVFd4S0FvWmdIS0NLWTZiQWtLU21LRVJWdElUc1Fta1QzTEFWbjlhWE9wZ2I0bXBneDBqUE9uZF9PM3FtT1dYVXlKMWNycVdzbXJacW1lMjlhOEcxa0J0S1MtWXM5Rl84S29tUVdaSHltOXJUb0V0aXRmMXdMbk5xcDFVUEVfRXJZUkx4?oc=5) · CUInsight
- 2026-05-28 [Tamra Ward Obituary - Green Bay Press-Gazette](https://news.google.com/rss/articles/CBMia0FVX3lxTE5vQ3pOaHJ4MUJ2S05MaG1rMUhRbXlVNVFaaDRodkFQOGZfY1lwSm1TQkdFUHlkWVljQ3lqNTZ0OWE2RUJQM3RLV1A5ZHJ3NklVbnJ1OWFBdnVQM3drSEVuSFRBOVgzcGhXMnY4?oc=5) · Green Bay Press-Gazette

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66642 (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/18.json (key "66642", 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=66642
- 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