# COMMUNITY 1ST
Ottumwa, IA · NCUA charter 68510 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/community-1st-68510

Who the members are: state charter, organized 1936, low-income designated. 72,400 members of 2,322,526 potential (3.1% of the field); checking penetration 82% (share draft accounts per 100 members); loans per 100 members 43.

**Verdict on the desk:** this could be *ordinary*. 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 | $1.10B |
| Members | 72,400 (0.3% YoY) |
| Full-time staff | 298 |
| Net worth | $115.2M |
| Net worth ratio | 10.5% (p45 of band) |
| ROA (annualized) | 0.33% (p17 of band) |
| Total delinquency | 3.27% (p99 of band) |
| Net charge-offs (annualized) | 0.22% (p16 of band) |
| Loans / shares | 93% (p74 of band) |
| Cash / assets | 11.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.02% (p90 of band) |
| Operating expense / assets | 4.17% (p90 of band) |
| Vehicles % of loans | 18% (p29 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 34% |
| Third-party paper % of net worth | 54% (p25 of band) |
| Vehicle delinquency | 0.51% (p43 of band) |
| Vehicle NCO | 0.92% (p47 of band) |
| Repossessed % of vehicle book | 0.00% (p11 of band) |
| Real estate % of loans | 44% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 245% |
| Core shares % of member funds | 67% |
| Certificates % of member funds | 26% |
| Average share balance | $5,824 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $7.8M |
| Loans outstanding per 100 members | 43% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $29,555 |
| Loans granted, annualized | $385.5M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $7.8M outstanding purchased (6.8% of net worth), $1.0M sold and retained. Sold in 3 and bought in 4 of the last 8 quarters. Shares 3.1% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

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

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

- 2025-11-17 [Community 1st Data Breach: Sensitive Information Exposed - Claim Depot](https://news.google.com/rss/articles/CBMiekFVX3lxTE52WDBCR2hOX29wSHBBNnhBOW9pSmppd2hZRFI5YnhwRnZwS3JYQUJMY2RfY254eFRnU2hxYWFaY2RmX0NCcWtlMl9wak9vN3FaalRqVlZNeW05MmIxMEJKUkY4dnE1VGFUT2VVdFJLYWIwM1ZDWHVTLXFR?oc=5) · Claim Depot
- 2026-05-27 [Iowa students win $48K in Warren A. Morrow scholarships - kimt.com](https://news.google.com/rss/articles/CBMiyAFBVV95cUxQenpZLTN6ZWlKN3lyRzg3azRyclFPc2E1aTBmNkRUaGlsLVE4VmFkRXlpNGY4OEo2VU5wRVhGNkZ1OFdzNkVRd2tKUmJoRkVwUlM4VFNjN2M4N1IyNDdiVXlQbFpjZ0ZpNmw3cDNiZnk4ZVhUakdleDZSQmtRT190S1lPVW5QUEt2c1lPOWh2MF9lWjM4cVZ6Yi11bnpPWEVuMUFsSjh6ZzdXY3pfaXhYYWlQemcxT2g3cDVvUlVxNG5VX2kzOTJabg?oc=5) · kimt.com
- 2025-10-22 [Community 1st Credit Union CEO honored with 2025 ICUF Community Impact Award - albianews.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxNbDNkVTZzUlUwUXl1cVNORFlUb0cwdm41OEFfSm92V0hyNmk1SkwzdVlkdFhkX3RjS3hwS2M2OGI1Qm1OS1VSZld0Q1dOZjE3WEEwMi1HZWRTeVc2YzVvYlZabzdjUzJHVmdDeGJGZEp1c3pPQ3pyMWllVjRCbjRZM3NReWlEbFk?oc=5) · albianews.com
- 2023-04-17 [Community 1st Credit Union recognized by Iowa Mortgage Association - Ottumwa Courier](https://news.google.com/rss/articles/CBMi9gFBVV95cUxOZ1BpVXRKOWpIYkJVdE5FQ2dLOEM2Z2lwYXVJeGFVbzFZbUJfeWlNazByYjNtV0o3eUt6OXRCeWRuWTUxMWF0bG5VSmNKa0hXN24za3huMkJ4WGtxRHVnNGI0enhUVFMxWUlLaDU1Tnl4V2dRcXFsbGFuTTNLVWtlQVI0Wl9TS0ZTRk4tT1l1SnE0SndYSnU3X3F6ZEFQWldLcjBiaHBSY25YbmVOMDVpdnhIWV9TeFlEWW5UaWM4aTRBeGtudG1zdFJhLW4zeXlSazk2RWY3WjdyNmN2VjBORHhqZzZ3LUZDUTV3NnlYVTAxLTZZNVE?oc=5) · Ottumwa Courier
- 2024-02-22 [Community 1st Credit Union announces April Molyneux as Osky branch manager - oskaloosa.com](https://news.google.com/rss/articles/CBMi-gFBVV95cUxPYkJteXVET0VmVkYtSVIzVldETlZuRV9LY1g2RkxjN1lYbUhIa0d0YnlWZTZ5a2hZSk5JVl9Ndk9OOFVyWjBIN1NZZHFFZVhFVGttR1Y3M2FnNWpUS2p5YXQ0ZUVqNDU2VlE2a3pyN2ZEV2stSmFOLUZXTHg4TjhEYmpWVmhBbjdFNjloY3hfeGM2bWMxUklrbVhHdkNucDc5WGpDOEtHLWtLdFFqdU5xZzNEX05qY2ZNUFU2WTBhRkxlSHZEdlpsOHRvV2NJV21senVzQ3J5b1BIV0Vra3dZRVRlSm1FS1lnOHVvSWZXMmRkbS10dUVlVFRn?oc=5) · oskaloosa.com
- 2024-10-22 [Shuttered Zora lands in hands of credit union after bidders take a pass on hefty price tag - The Des Moines Register](https://news.google.com/rss/articles/CBMi9gFBVV95cUxNbkhFaExwc3Q2bzU4X2picC11RjVXRWNZMnl6dTE0QjRlS2JoQzhxUTNhY1NGTDhsNUx3M2NlZ1kxT3QxRGZCNm1tZFlBaG1tbzlyN1ZJbmV0LTBIYnVTQ242WUx2R2QtLWpWN3FSMkVEeU1Fc2NHTllWVm9Ga1J3U0ZoSWNDYnZ2c2tzWi01SXRlSlNHbDEtWXpiWWdFZENBbmZzeUREX3BJanYtMmRoRGRPaHZGRjIzNzVacF9EcFVYX2dDel92RGdzWnVtSnlPV0dGdUM0ZFF1MWJLWVhjQzVCS21SbWRIbjNBS01mS1h2LXJvVXc?oc=5) · The Des Moines Register
- 2022-05-05 [Umlauf Recognized by Iowa Mortgage Association - Ottumwa Post](https://news.google.com/rss/articles/CBMijAFBVV95cUxOTERsejZMLUdqMng0RHVqeVA0dHNiT05YeHZaY2lLN1pkTElUNXBzVlFHSGlwbkdibG5wY1hHNHJlbWpWN2JCZlk0c2dGVEJlcmpXRUV0LTN3VUtWbHBISldaX0ExM0JuUUVjMjU3bERVMWJERHRyeFB6TWpCQjRhM1RkSG1rNlRjTkk3cw?oc=5) · Ottumwa Post
- 2024-02-16 [C1st promotes Crall to lending manager - Ottumwa Courier](https://news.google.com/rss/articles/CBMi0gFBVV95cUxOdmkxcFE2Mi04ZFg0QW43ZHNvaWJLNWxsdHBVaGR6YzBmbmpka3UxZUNjaGRHa2sxWGV1RG1oMHVZdXRWRnRKOFgtTFQ0ZHQ4YnlXVnR3WXNZcUx1TVVYRkFTd2RXWmlsV2RSYW5lRFFCOWRDQUU5UEVBUlpLaVowakk5ekF5UmxlRWZsMjJJZ1dTdFRyM0ZPZWdIR0s0UXRmVG1kTGcxSktFRGRMTkJGelA1RnhER3cxRk5GS0dJaFpKLXpqanp3SzNoZjcxZWRMbVE?oc=5) · Ottumwa Courier

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68510 (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/30.json (key "68510", 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=68510
- 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