TellerScore

Community First Credit Union is a federally insured state-chartered credit union headquartered in Appleton, Wisconsin, in business for about 51 years. At the end of Q2 2026 it reported $6.8B in total assets and $5.9B in member shares and deposits, with 18 offices.

Based on its Q2 2026 filing, Community First Credit Union scores 84/100, which we describe as strong. That is higher than 93% of 454 credit unions with $1 billion – $10 billion. Among 98 credit unions headquartered in Wisconsin, it ranks 16th. Its strongest component is problem-loan coverage (98/100; 0.8%), and its lowest is funding & liquidity (73/100; 86% loans-to-deposits, 16% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion78/100
Net worth ratio: 12.85%
Loan quality95/100
Loans 60+ days delinquent ÷ total loans: 0.14%
Earnings79/100
Return on assets (annualized): 1.49%
Funding & liquidity73/100
Loans ÷ shares: 86.4% · 16.1% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.83%

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 2 points (82 → 84), mostly because the earnings component improved by 11 points.

TellerScore
818384Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202482
Q3 202481
Q4 202481
Q1 202581
Q2 202582
Q3 202583
Q4 202583
Q1 202683
Q2 202684
Net worth ratio
7.00%10.00%13.00%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.38%
Q3 202412.33%
Q4 202412.40%
Q1 202512.44%
Q2 202512.58%
Q3 202512.87%
Q4 202513.00%
Q1 202612.78%
Q2 202612.85%
Delinquent loans (60+ days)
0.10%0.12%0.15%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.10%
Q3 20240.12%
Q4 20240.12%
Q1 20250.12%
Q2 20250.13%
Q3 20250.14%
Q4 20250.15%
Q1 20260.15%
Q2 20260.14%
Return on assets
1.10%1.29%1.49%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.17%
Q3 20241.13%
Q4 20241.10%
Q1 20251.14%
Q2 20251.21%
Q3 20251.28%
Q4 20251.28%
Q1 20261.40%
Q2 20261.49%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202684$6.8B12.85%0.14%1.49%86.4%
Q1 202683$6.7B12.78%0.15%1.40%85.4%
Q4 202583$6.4B13.00%0.15%1.28%87.1%
Q3 202583$6.3B12.87%0.14%1.28%86.6%
Q2 202582$6.2B12.58%0.13%1.21%83.8%
Q1 202581$6.2B12.44%0.12%1.14%81.9%
Q4 202481$6.0B12.40%0.12%1.10%80.3%
Q3 202481$5.9B12.33%0.12%1.13%79.6%
Q2 202482$5.8B12.38%0.10%1.17%80.6%

454 peers · $1 billion – $10 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 ratio12.85%
78th
Problem loans0.14%
98th
Net charge-offs0.10%
93rd
Return on assets1.49%
92nd
Loans to deposits86.4%
54th
Uninsured deposits16.1%
11th
Loan-loss reserves0.00%
50th
Texas ratio0.8%
97th

Similar-size credit unions in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
University of Wisconsin Credit UnionCredit union Madison, WI68 out of 100, Moderate$6.7B9.2%0.48%vs
Royal Credit UnionCredit union Eau Claire, WI73 out of 100, Strong$5.9B10.8%0.43%vs
Landmark Credit UnionCredit union Brookfield, WI70 out of 100, Strong$7.9B10.7%0.42%vs
Summit Credit UnionCredit union Madison, WI67 out of 100, Moderate$8.5B10.3%0.65%vs
Covantage Credit UnionCredit union Antigo, WI59 out of 100, Moderate$4.2B9.8%1.28%vs
Connexus Credit UnionCredit union Wausau, WI37 out of 100, Low$4.1B7.4%1.89%vs

Deposit insurance

Is my money safe at Community First Credit Union?

Yes. Community First Credit Union is a federally insured credit union (NCUA charter #66642). 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 16.1% of shares and deposits ($950.8M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 12.85%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

18 locations

Branches

Community First Credit Union lists 18 offices in 9 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Community First Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
66642
RSSD ID
813394
Primary regulator
State + NCUA
Established
1975
Headquarters
PO Box 1487, Appleton, WI 54912
Employees
644

Quick answers

Community First Credit Union: common questions

Is Community First Credit Union NCUA insured?

Yes. Community First Credit Union is a federally insured credit union (NCUA charter #66642). 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 Community First Credit Union's TellerScore?

84 out of 100 (Strong), 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 Community First Credit Union have?

18 offices as of the latest NCUA data.