# COMMUNITY 1ST
Miles City, MT · NCUA charter 8588 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/community-1st-8588

Who the members are: federal charter, community charter, organized 1953, low-income designated. 3,924 members of 27,200 potential (14.4% of the field); checking penetration 47% (share draft accounts per 100 members); loans per 100 members 37.

**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 | $44.1M |
| Members | 3,924 (0.7% YoY) |
| Full-time staff | 11 |
| Net worth | $4.8M |
| Net worth ratio | 10.8% (p22 of band) |
| ROA (annualized) | 1.08% (p73 of band) |
| Total delinquency | 1.07% (p64 of band) |
| Net charge-offs (annualized) | 0.69% (p80 of band) |
| Loans / shares | 85% (p87 of band) |
| Cash / assets | 20.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.01% (p86 of band) |
| Operating expense / assets | 4.59% (p72 of band) |
| Vehicles % of loans | 19% (p12 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 2.27% (p82 of band) |
| Vehicle NCO | 3.31% (p96 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 43% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 201% |
| Core shares % of member funds | 59% |
| Certificates % of member funds | 18% |
| Average share balance | $6,290 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $0 |
| Loans outstanding per 100 members | 37% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $22,747 |
| Loans granted, annualized | $7.0M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $0 outstanding purchased (0.0% of net worth), $124,687 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 7.4% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 2 | repo signal |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 0 |  | thin capital, repo signal |
| 2017-03 | 1 | thin capital |  |
| 2017-06 | 1 | delinquency rising | thin capital |
| 2017-09 | 1 | repo signal | delinquency rising |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | delinquency 2x band, delinquency rising | repo signal |
| 2018-06 | 2 |  |  |
| 2018-09 | 0 |  | delinquency 2x band, delinquency rising |
| 2018-12 | 2 | delinquency 2x band, delinquency rising |  |
| 2019-03 | 0 |  | delinquency 2x band, delinquency rising |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | net worth falling |  |
| 2020-03 | 2 | delinquency 2x band, delinquency rising | net worth falling |
| 2020-06 | 3 | margin squeeze |  |
| 2020-09 | 4 | net worth falling |  |
| 2020-12 | 5 | thin capital |  |
| 2021-03 | 4 |  | delinquency rising |
| 2021-06 | 2 |  | margin squeeze, net worth falling |
| 2021-09 | 3 | delinquency rising |  |
| 2021-12 | 2 |  | delinquency rising |
| 2022-03 | 2 |  |  |
| 2022-06 | 4 | net worth falling, delinquency rising |  |
| 2022-09 | 2 |  | net worth falling, delinquency rising |
| 2022-12 | 2 | delinquency rising | thin capital |
| 2023-03 | 2 |  |  |
| 2023-06 | 4 | assets shrinking, members leaving, leaning on borrowings | delinquency rising |
| 2023-09 | 2 |  | members leaving, leaning on borrowings |
| 2023-12 | 1 |  | assets shrinking |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | repo signal |  |
| 2025-06 | 1 |  | repo signal |
| 2025-09 | 1 |  |  |
| 2025-12 | 0 |  | delinquency 2x band |
| 2026-03 | 0 |  |  |

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

- 2025-10-01 [Harborstone Credit Union completes merger of Community 1st Credit Union - CUInsight](https://news.google.com/rss/articles/CBMisgFBVV95cUxNXzVlWlFOMVZlbXlEdjdSUllzVnZIQUJVSHVFY0IzblpFNER2MzlLTVlkeDN4M0ZEbWtPUkJCcmlYczE5am5tc3lGQm0zOGxUbkx5cWhBcGt6bEpLc3RidTJrYjZPMmMxRFd5ZWRUVFJCdUcyNDlOWUtFWURaY2JLTUZ3SFpmaU5Jdzd0aVo1dEJEckFnc0xwTkJrX29lWDg0c3hVdjNBTTJrZms4WldNc3Rn?oc=5) · CUInsight
- 2025-11-17 [Community 1st Data Breach: Sensitive Information Exposed - Claim Depot](https://news.google.com/rss/articles/CBMiekFVX3lxTE52WDBCR2hOX29wSHBBNnhBOW9pSmppd2hZRFI5YnhwRnZwS3JYQUJMY2RfY254eFRnU2hxYWFaY2RmX0NCcWtlMl9wak9vN3FaalRqVlZNeW05MmIxMEJKUkY4dnE1VGFUT2VVdFJLYWIwM1ZDWHVTLXFR?oc=5) · Claim Depot
- 2024-09-23 [Pierce County credit union expands to 100K members, $2.3B in assets with latest merger - Tacoma News Tribune](https://news.google.com/rss/articles/CBMidEFVX3lxTE5tem9lTFRZdWltRzZ6Ui1MdzIxUzJKNDQ0clpjN3F0VFhEZlBVVTdWbXVDcHFLZFVqWWp6dWlHOGpEaGxyTXd0QktDQ3NvNTdYdF9udzYzVlVBNDdmdmVHcTBqWWdkcDU2UkxnS0V2RmVEeEhL0gF0QVVfeXFMTmtxMGwtRzg0bWE1RGt4T3BkaXFrU2RHQjRXd2JfOXE0a19ueHoxczBtSllIaUhGdGtSdUphX1JtQVRSUG5XaWRxZ2xtanJqQUwtMmxVUzdDRk1yZ215QkMzRzJzUndLWnVXM2lpXzY4bm5GUS0?oc=5) · Tacoma News Tribune
- 2025-12-08 [Marquis Software Solutions Under Investigation for Data Breach of Over 780,000 Financial Records - Schubert Jonckheer & Kolbe](https://news.google.com/rss/articles/CBMickFVX3lxTE1vZVQ4bU5jSFVZOGJmZmVqbDJWLXBOcHcxWUZISVE3djVZZVM4ZHFaRTdFTk9vMGptMU5fY2NjMmNRRlRSX1BHVEJ6VjdDeHlSNEZIeTNYU2VoYVRaaDZqT2otMUJvaEROYWx3OWdlQmdIZw?oc=5) · Schubert Jonckheer &amp; Kolbe
- 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
- 2025-01-07 [Credit union sells 2 Pierce County branch buildings - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxOYThsV1RrMkVXSVpVUko5czh1aVN6azh3WXh0QU1raEdCLUlZWEt4VEM3UFBSeFZ4RW5Bc3NwMWVZTUo3SGMtN0F6RWVHVElfRDhnYThwdmd1bU9iTzl5QVQ0aUFHMVVEOGRMMEk4dEdDX2dqZjRtZVYtQmZVRW1peEdobWpPaXJtNWgwcEpfVl9qYllqYzM5OE1qVHczUy1BUlNkYlhKUQ?oc=5) · The Business Journals
- 2026-07-20 [Mt. Pleasant TapestryFest continues to grow in its fourth year - southeastiowaunion.com](https://news.google.com/rss/articles/CBMi9gFBVV95cUxPejUzenhhMWRQeTRiaTc3elJySDQwWEZaMnBVMm1ydkMzUlBiVlpYcktGNVZ6T2NvTnFoSjVQdGRvYkpod0MzVEJIZjVJTUxObkVlaVZqa3RMYWI2NGhld0s3SlpXSGZNa3NCR1MxTThrY083QnF6UkYtQ3F5dHNidUFBMVJpTnFCbUtIdjBvMHlkUUZCS1IwMDdVVEZ4dFA2X0hpSVBTZjRpenF1LTIwLWZ2UHNkQ0JURkN3T2x4ZWQ5bi1JRm5fdUFCWUthaHJYcmxXRlBYOXlPaGxvRU80a2hMYlZtUnlnamNmWDZrbVh0LUdzZWc?oc=5) · southeastiowaunion.com
- 2025-11-18 [Marquis Software Solutions Data Breach Impacts Over 1.3M Exposing Social Security Numbers - Claim Depot](https://news.google.com/rss/articles/CBMiekFVX3lxTFBILUxrWG9iOUgwUFlkQVVQTm1fUmJFTndOWXFCdEM1VmwwbVd5Ymwxb2hrMTRLa2lzeWI3NzJlVm96TG54RzVpRDV0MDd2SjBsYUpLbFk0ZkZhcXJkYnpxc3gySXVMVm9pV2xmSnZ5Yl9rM0p6el9hQW5B?oc=5) · Claim Depot

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=8588 (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/12.json (key "8588", 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=8588
- 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