TellerScore

1st Community Credit Union is a federally insured state-chartered credit union headquartered in Sparta, Wisconsin, in business for about 65 years. At the end of Q2 2026 it reported $287.6M in total assets and $254.8M in member shares and deposits, with 4 offices.

Based on its Q2 2026 filing, 1st Community Credit Union scores 68/100, which we describe as moderate. That is higher than only 45% of 1,341 credit unions with $100 million – $1 billion. Among 98 credit unions headquartered in Wisconsin, it ranks 69th. Its strongest component is problem-loan coverage (88/100; 6.1%), and its lowest is capital cushion (52/100; 10.16%).

TellerScore · Q2 2026

Scorecard

Capital cushion52/100
Net worth ratio: 10.16%
Loan quality72/100
Loans 60+ days delinquent ÷ total loans: 0.83%
Earnings72/100
Return on assets (annualized): 1.31%
Funding & liquidity76/100
Loans ÷ shares: 84.4% · 4.0% uninsured
Problem-loan coverage88/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.12%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 6 points (62 → 68), mostly because the capital cushion component improved by 7 points.

TellerScore
536168Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202453
Q3 202458
Q4 202464
Q1 202564
Q2 202562
Q3 202568
Q4 202566
Q1 202667
Q2 202668
Net worth ratio
7.00%8.58%10.16%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.45%
Q3 20248.64%
Q4 20249.09%
Q1 20259.08%
Q2 20259.53%
Q3 20259.81%
Q4 20259.75%
Q1 20269.60%
Q2 202610.16%
Delinquent loans (60+ days)
0.45%0.86%1.26%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.26%
Q3 20240.83%
Q4 20240.45%
Q1 20250.56%
Q2 20251.03%
Q3 20250.58%
Q4 20250.71%
Q1 20260.76%
Q2 20260.83%
Return on assets
0.64%0.97%1.31%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.64%
Q3 20240.71%
Q4 20240.79%
Q1 20250.97%
Q2 20251.12%
Q3 20251.19%
Q4 20251.14%
Q1 20261.27%
Q2 20261.31%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$287.6M10.16%0.83%1.31%84.4%
Q1 202667$284.8M9.60%0.76%1.27%85.4%
Q4 202566$280.6M9.75%0.71%1.14%88.2%
Q3 202568$270.9M9.81%0.58%1.19%91.1%
Q2 202562$270.3M9.53%1.03%1.12%89.3%
Q1 202564$274.3M9.08%0.56%0.97%89.3%
Q4 202464$266.5M9.09%0.45%0.79%88.3%
Q3 202458$272.8M8.64%0.83%0.71%87.2%
Q2 202453$272.9M8.45%1.26%0.64%86.0%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.16%
31st
Problem loans0.83%
40th
Net charge-offs0.20%
70th
Return on assets1.31%
82nd
Loans to deposits84.4%
30th
Uninsured deposits4.0%
71st
Loan-loss reserves0.00%
50th
Texas ratio6.1%
31st

Similar-size credit unions in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
Glacier Hills Credit UnionCredit union West Bend, WI69 out of 100, Moderate$285.8M11.0%0.91%vs
Northwestern Mutual Credit UnionCredit union Milwaukee, WI77 out of 100, Strong$285.6M11.1%0.00%vs
Guardian Credit UnionCredit union Oak Creek, WI70 out of 100, Strong$294.2M10.3%0.42%vs
Valley Communities Credit UnionCredit union Mosinee, WI83 out of 100, Strong$306.9M13.0%0.28%vs
Unitedone Credit UnionCredit union Manitowoc, WI73 out of 100, Strong$348.3M11.8%0.24%vs
Cloverbelt Credit UnionCredit union Wausau, WI76 out of 100, Strong$354.2M12.4%0.24%vs

Deposit insurance

Is my money safe at 1st Community Credit Union?

Yes. 1st Community Credit Union is a federally insured credit union (NCUA charter #67012). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 4.0% of shares and deposits ($10.2M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.16%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

1st Community Credit Union lists 4 offices in 3 cities. Most locations:

  • Sparta, WI (2)
  • Tomah, WI (1)
  • West Salem, WI (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, 1st Community Credit Union reported 218 home-loan applications under HMDA (LEI 5493006FUC5WGWNUXC12): 130 originated ($24,210,000 total), 41 denied, and 6 withdrawn or closed by the applicant. Its denial rate on decided applications was 19.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
1st Community Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67012
RSSD ID
203294
Primary regulator
State + NCUA
Established
1961
Headquarters
P.O. Box 167, Sparta, WI 54656
Employees
58

Quick answers

1st Community Credit Union: common questions

Is 1st Community Credit Union NCUA insured?

Yes. 1st Community Credit Union is a federally insured credit union (NCUA charter #67012). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is 1st Community Credit Union's TellerScore?

68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does 1st Community Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Sparta

InstitutionScoreAssetsCapitalProblem loansCompare
Oakdale Credit UnionCredit union Oakdale, WI95 out of 100, Very strong$132.4M13.3%0.00%vs
The First National Bank of BangorBank Bangor, WI83 out of 100, Strong$363.7M31.6%0.95%vs
Tomah Area Credit UnionCredit union Tomah, WI83 out of 100, Strong$125.9M12.4%0.49%vs
Firefighters Credit UnionCredit union Onalaska, WI83 out of 100, Strong$133.0M16.1%0.57%vs
Union State BankBank West Salem, WI82 out of 100, Strong$117.6M12.2%0.14%vs
Gundersen Credit UnionCredit union LA Crosse, WI82 out of 100, Strong$85.3M13.8%0.07%vs