# FIRST COMMUNITY
Coquille, OR · NCUA charter 68530 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/first-community-68530

Who the members are: state charter, organized 1957, low-income designated. 88,287 members of 2,825,000 potential (3.1% of the field); checking penetration 81% (share draft accounts per 100 members); loans per 100 members 42.

**Verdict on the desk:** this could be *ordinary*. 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 | $1.81B |
| Members | 88,287 (-0.0% YoY) |
| Full-time staff | 376 |
| Net worth | $231.8M |
| Net worth ratio | 12.8% (p80 of band) |
| ROA (annualized) | 1.46% (p92 of band) |
| Total delinquency | 0.05% (p1 of band) |
| Net charge-offs (annualized) | 0.03% (p2 of band) |
| Loans / shares | 85% (p46 of band) |
| Cash / assets | 8.6% |
| Borrowings / assets | 2.21% |
| Net interest margin | 3.53% (p64 of band) |
| Operating expense / assets | 2.90% (p32 of band) |
| Vehicles % of loans | 21% (p38 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p3 of band) |
| Vehicle delinquency | 0.11% (p5 of band) |
| Vehicle NCO | 0.15% (p3 of band) |
| Repossessed % of vehicle book | 0.02% (p28 of band) |
| Real estate % of loans | 55% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 108% |
| Core shares % of member funds | 74% |
| Certificates % of member funds | 14% |
| Average share balance | $8,063 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 42% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $35,048 |
| Loans granted, annualized | $323.5M |

## 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 | 1 | net worth falling |  |
| 2016-12 | 0 |  | net worth falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | net worth falling |  |
| 2017-09 | 0 |  | net worth falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | delinquency rising |  |
| 2019-06 | 0 |  | delinquency rising |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 2 | margin squeeze |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 | thin capital | margin squeeze |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 |  | net worth falling |
| 2022-06 | 1 |  |  |
| 2022-09 | 0 |  | thin capital |
| 2022-12 | 1 | delinquency rising |  |
| 2023-03 | 0 |  | delinquency rising |
| 2023-06 | 1 | assets shrinking |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 2 | delinquency rising |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 1 |  | delinquency rising |
| 2024-09 | 1 |  |  |
| 2024-12 | 0 |  | assets shrinking |
| 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)

- 2026-09-09 [16607-09-10-First Community Credit Union-WMO-HPH - Missourian | Washington, MO](https://news.google.com/rss/articles/CBMi5wFBVV95cUxQNzh4QUhKcHJFeG1xZmVuUUU4Qk00b0hrWEN0TGs1TWYwVWZSTjBVMWZZUjVKN1Z4TTZjSFkzcXEtT2x0ay1VeWVVeERGcTQ0bDJqYWR3bzgyQUloU1ExT1p1X1VlNDdrZDFzZVIyakYyWVdiQUplYjZPRVNnZVpjSHcxV2ZIcHl6Y1hORnVZeFg3X0lZUF92OEJXNUc3SG5vdkpsTWFwenJtNVUzWmx2V1BFemRzek9DREZJMXpOdjgtcUxBZ0YxYTBrQmRiU09rMzFNdFZ3V3BNUmU4b0dXWmEyLTFZNGc?oc=5) · Missourian | Washington, MO
- 2026-07-28 [SIUE Athletics, First Community Credit Union Announce Groundbreaking Partnership Expansion - siuecougars.com](https://news.google.com/rss/articles/CBMi2AFBVV95cUxQb2VPVWh4dlVITHNxR2ZJRHN3Y1Q3aVktTUlPdnQ1RExBMXhsc3Q4RE1adFZVMjNtdUs3M1ZQOEhxZTZ3MFpwblA0Z3I5Q19VOUtBNmdqYVhJa29wTDhZZlRNd3ZwQ1RaeGFWMHpMdF9LSFc3WndGRm1wR245eFBIdGpWc2s3UUlhLWVmRzJpTlNmM1VxUHY1bTNlNUt2UUpqZWkzdUZqcVBCRlBnVGR3a0JYUGJSRUVNZk5SdXh1bFdLUWttY2E1bVZDRzh6ZGlLdlV5bDVicTk?oc=5) · siuecougars.com
- 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
- 2026-03-03 [First Community Credit Union buys former Noble Energy building for new headquarters - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxPU3pOSTlLMmp5OVpka0xEX0R1VTBmUG1CejU4M3ZBMVRKZEt4SkUxVzloZTZYdy1NRjdHanA5YUFSOWdkZFlZQktoc3VIZWFkYVhGRHMyUGRUcmJTYjdQY3FXWmxzb3RWQlhIN0NXOVlXMGVHWjNNbjl1ZTR1ZUNPb3dFbk8tOWpSelQxeFc2bE5Pd2d6SlZ2emJId1ZmUEpSOHNwbQ?oc=5) · The Business Journals
- 2026-03-04 [First Community Credit Union Announces Purchase of Future Headquarters Building in Northwest Houston - PR Newswire](https://news.google.com/rss/articles/CBMi7AFBVV95cUxNNllaYXpTbzlLWHFHSEJIQlJlVnhwQUlRY2NsWDlfUVBQMlNXT25udzRicDBhX2diUG5BUnpTTy0zN0hRTzJvMllYSkhSRm5rbFhtLUZJbjJXZXRWSVZqM1RZT0ZrekUzc05kenhvLVNkVjBNeFRwTVRtdXhzcXJLNWhuTV9qSmhJdGVsR0ZzRDVaak9yRzJFaGNHd3plZmV4VmJfYTIyd0M4cUVfdnZFOW0wa2hDekduRjh3cUFxSVc4YzFJUVdQN3JUQmpteUc5bF91bFU1RFZKUmJBcldWUUdZRnpwX0tkdFFmVA?oc=5) · PR Newswire
- 2026-03-11 [First Community Credit Union is moving its headquarters to Vintage Park | Spring - Klein - Community Impact](https://news.google.com/rss/articles/CBMivwFBVV95cUxNb2duOTluSXhZVUdDejdRYWhMY1NnUmRBYm8tM01FWEFLbFFfeTNYeHhIUnNYNkszUmcxZzE3d1B0aDhOSDVYWW9WaDZScE9sWDFseUxfSWg2RjRkWmh4b0N0QURrX0NpRklfcU95dkR4eUdtVFBjc3N2RTdSQ0VWbnppTXRzaU0tOWJRcUZmSzFpTDdZdW9WellZbGMwdWh3Q1lwaVU3MXZEVjBlbVJTc3I2WGVKZEZnOThaTWR1UQ?oc=5) · Community Impact
- 2026-09-02 [The best credit unions near Houston - Chron](https://news.google.com/rss/articles/CBMiakFVX3lxTFByd3FwR2MyYUVxZW9EdktCYWRyR3lKWjlCRTBzcXlnSUN2NUYxYzNaTmZqMEdPWThnY3dHblpUTUw5STJKU05idWEyREpoOVJrSXg3MmRuay1MeUI2N3lJLVRvT21hbkpFdWc?oc=5) · Chron
- 2026-03-03 [First Community Credit Union buys former energy building for new headquarters - KHOU](https://news.google.com/rss/articles/CBMilgJBVV95cUxOY3k3VE01Z3hyZHNuUU5mdkpScTFKNVo1eGpsUTJDN3Q4NDlkcjl4UWZSVVZRbjRsaGliRUI0WmVQVHZaLWdLR29SazlzdDNFTUdObzdBbF9OTVE5aEdHRDk5RnlrdXVYRkNudktHY2V1RjQ2M2VjT3hrZXlPWUU0ZEZrNUxoMzlWdXhqMUhiTzlBMUxndlNkTWphR2FJLVMwTGRBdVEyX1g4dlh6b1ZUQ1laSnhPQVFQVHlUSllJNGw5MDd6S2R5dFRudHpMQm1SeFZUZ1RvTTB4cEVTdnBZbG5WUDhidE1keng4S2Z2ZVNKVEZ1VkoyM1h3YXhJMGhJNEREQ1lUMzR5UGQ1dVFOeGhtVFZYUQ?oc=5) · KHOU

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68530 (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/50.json (key "68530", 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=68530
- 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