# FIRST COMMUNITY
Chesterfield, MO · NCUA charter 67619 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/first-community-67619

Who the members are: state charter, organized 1934. 347,799 members of 2,626,001 potential (13.2% of the field); checking penetration 61% (share draft accounts per 100 members); loans per 100 members 44.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $4.99B |
| Members | 347,799 (-15.1% YoY) |
| Full-time staff | 701 |
| Net worth | $420.7M |
| Net worth ratio | 8.4% (p7 of band) |
| ROA (annualized) | 0.84% (p62 of band) |
| Total delinquency | 0.46% (p34 of band) |
| Net charge-offs (annualized) | 0.41% (p36 of band) |
| Loans / shares | 74% (p20 of band) |
| Cash / assets | 11.2% |
| Borrowings / assets | 2.23% |
| Net interest margin | 2.63% (p14 of band) |
| Operating expense / assets | 2.50% (p17 of band) |
| Vehicles % of loans | 55% (p93 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 76% |
| Third-party paper % of net worth | 326% (p87 of band) |
| Vehicle delinquency | 0.41% (p28 of band) |
| Vehicle NCO | 0.72% (p33 of band) |
| Repossessed % of vehicle book | 0.10% (p61 of band) |
| Real estate % of loans | 40% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 7% |
| Core shares % of member funds | 38% |
| Certificates % of member funds | 20% |
| Average share balance | $6,106 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 44% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $21,471 |
| Loans granted, annualized | $1.04B |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **members leaving** (`shrink_members`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | auto monoline |  |
| 2018-06 | 4 | net worth falling |  |
| 2018-09 | 3 |  | net worth falling |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 4 | net worth falling |  |
| 2019-09 | 3 |  | net worth falling |
| 2019-12 | 3 |  |  |
| 2020-03 | 3 |  |  |
| 2020-06 | 3 | net worth falling | auto monoline |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | net worth falling |  |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 3 | auto monoline |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 4 | leaning on borrowings |  |
| 2023-12 | 5 | net worth falling |  |
| 2024-03 | 5 |  |  |
| 2024-06 | 4 |  | net worth falling |
| 2024-09 | 3 |  | auto monoline |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 2 |  | leaning on borrowings |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | members leaving |  |

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

- 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
- 2026-01-07 [Perfect Game executes first naming rights deal - Sports Business Journal](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNU19ndnMyV3BiSFRWWUVPNzB2TUdWZ3FnbmtBNWdrOGNmbHJSV0k1NUgzb0cyVnhSQnJTV1ktY3lfX3B1TEdPdWFvaDFIWERDa2lheWMwMjZZeXh6aUc2ZHBDT2QwVllEQW1mS0dLcVRDcG53MjNCMzhldEM1NFN0MWdmVzB4T1luREw1czV2X0FadUdOZEJXaEJDX3Bzd3pwOU92MGVEN1Y?oc=5) · Sports Business Journal
- 2024-12-05 [First Community – St. Louis Made for 90 Years - West Newsmagazine](https://news.google.com/rss/articles/CBMizwFBVV95cUxQQTdYN2NmQlRRUXBmU2ppdzN4VmE5NFZpVnhOczNhQ1E5ZGlyYmo5UWFhenRESzN4Y1U5cUdqYm1GVzNaLVBfVV9ZUG9tUWNCbmxHLW5hSzB1MEtOaTZ4dHFfRzZEeWZCTDFJcnZncGNBWV9Sb2M1LXdjanJlLUc1VWxFQ0swY1FlZV81Q2RjSVQxQTNvNy1ZQkNlaWFEV3BId3M4dEk5RG9wWTlFTDBpb0EyQXdzN25uaTlzT2c0X1RSQjdZN3NWbHpLQmx0WUE?oc=5) · West Newsmagazine
- 2023-11-06 [Rosanna Smith named manager at First Community Credit Union - St. Louis American](https://news.google.com/rss/articles/CBMitwFBVV95cUxNT20yMDh1ZWtsMmhrUjFjS1JDZlRzV3lxZ2gwZTUxRnhqbk5mS0tsemx1Xzh2RUppdDBTZ2VuOWVyLTlfY2ZyWXhDX0JxQy1JdXpzMGdXRzVQS3JKazFUak9NZkljNTdDYkwxZFdZTngzOGVRWFh5SU84Q01PbDYyWW9LRHRZX09BZXRoVHpDaVcwTWNYVi1PTndxYmg3aC0yMU0yOVBkZHdQRVFDYm1DZFVnVXVYWWs?oc=5) · St. Louis American
- 2025-02-24 [First Community opens second call center in O’Fallon, Missouri - CUInsight](https://news.google.com/rss/articles/CBMiowFBVV95cUxPYXFIYzQ2YXlwa2t4UnNZb0hodW50cDRJZ2hPQ0N5VVd4Y0tHMG1uamozNGhFSUVSWHhVcUpva01xU0plVEVSekJPZTFSWTNKZ0dZOV81UjA2R19CYkpjOFJKVHdvVzhOMlZVbGxyZTQzODRQdXB4UlBzVjJjX0pnZU96NnR3d01mOGdQZDZJZjNrbDNrcnI4amVSOEhLUEIyaHVn?oc=5) · CUInsight
- 2022-03-17 [Why the largest credit union in St. Louis area has launched a real estate agency - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPd2w5WHdJOTFKZnlNRi1RaFdOWUJHNFJCMENEYlBBUEI4NkgzZGZMbC1fX2hCQkJMX2dPdnU1M05oTnBibG1TbzNDQ3paMVYwalRFNzdTc2ppbERzRUM0d0xwQ3hfWnJkRWdBdHc5T0tObllQcnNNQnVpVU5Vc21fY0VvY193QTFBaWNObndMVDd4Y0tyZHRXekMzc0dJX3lZa0cxTWtveWFxdw?oc=5) · The Business Journals
- 2021-12-19 [Man in Santa hat, beard robs bank in St. Louis suburb - KRCG](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNOTBRUkxKckREVzNWTkN6M1hUZXlObFVuRHg1THdiVjNpZlNQaTc2LW9XYndQM09tcWxNUUUzTTAwQkxtcER6SnZTalQtWjR4UW1Ub043WEdTZmx4czNXcE9kUVVNQXhrR1UtVGpkdENJekdhQVFiWkVNNWpYcGxISGttdzBnbWRY?oc=5) · KRCG
- 2026-07-29 [First Community Credit Union becomes SIUE's uniform sponsor - Yahoo Sports](https://news.google.com/rss/articles/CBMijgFBVV95cUxNX1Y4T0ZVZFY4OHAzM0N6UW5Rak9HNFlOaGJVeTE2NWI4VVBfcFc5MXk1cDc5OEdpZmNKM3pMMGQ5QnR1NzQyMEhIRUg2TkRLT0dhY0lzQlB3aWVDMFFTME8ydE1JOF9rNGRBdnNIa0RkV01BLVdsb285dmVSVVVpLU9uOGtKcWJnUUZJU2JR?oc=5) · Yahoo Sports

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67619 (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/35.json (key "67619", 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=67619
- 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