TellerScore

First Community Credit Union (NCUA charter #60103) is based in Jamestown, North Dakota. Its Q2 2026 call report shows $1.5B in total assets and $1.1B in member shares and deposits and 25 offices across 2 states.

Based on its Q2 2026 filing, First Community Credit Union scores 71/100, which we describe as strong. That is higher than 62% of 454 credit unions with $1 billion – $10 billion. Among 29 credit unions headquartered in North Dakota, it ranks 17th. Its strongest component is problem-loan coverage (93/100; 3.7%), and its lowest is earnings (54/100; 0.85%).

TellerScore · Q2 2026

Scorecard

Capital cushion73/100
Net worth ratio: 12.34%
Loan quality80/100
Loans 60+ days delinquent ÷ total loans: 0.61%
Earnings54/100
Return on assets (annualized): 0.85%
Funding & liquidity60/100
Loans ÷ shares: 100.2% · 9.1% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.71%

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 (69 → 71), mostly because the earnings component improved by 12 points.

TellerScore
677276Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202471
Q3 202472
Q4 202475
Q1 202576
Q2 202569
Q3 202567
Q4 202572
Q1 202671
Q2 202671
Net worth ratio
7.00%10.03%13.06%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.25%
Q3 202412.57%
Q4 202412.92%
Q1 202513.06%
Q2 202511.92%
Q3 202511.97%
Q4 202512.53%
Q1 202612.08%
Q2 202612.34%
Delinquent loans (60+ days)
0.28%0.58%0.88%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.49%
Q3 20240.45%
Q4 20240.30%
Q1 20250.28%
Q2 20250.50%
Q3 20250.88%
Q4 20250.56%
Q1 20260.47%
Q2 20260.61%
Return on assets
0.53%0.69%0.85%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.55%
Q3 20240.60%
Q4 20240.64%
Q1 20250.53%
Q2 20250.55%
Q3 20250.60%
Q4 20250.71%
Q1 20260.71%
Q2 20260.85%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$1.5B12.34%0.61%0.85%100.2%
Q1 202671$1.5B12.08%0.47%0.71%94.8%
Q4 202572$1.5B12.53%0.56%0.71%93.5%
Q3 202567$1.5B11.97%0.88%0.60%93.6%
Q2 202569$1.5B11.92%0.50%0.55%92.5%
Q1 202576$1.3B13.06%0.28%0.53%88.8%
Q4 202475$1.3B12.92%0.30%0.64%91.1%
Q3 202472$1.3B12.57%0.45%0.60%94.2%
Q2 202471$1.4B12.25%0.49%0.55%94.7%

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 ratio12.34%
72nd
Problem loans0.61%
57th
Net charge-offs0.05%
97th
Return on assets0.85%
54th
Loans to deposits100.2%
13th
Uninsured deposits9.1%
51st
Loan-loss reserves0.00%
50th
Texas ratio3.7%
65th

Deposit insurance

Is my money safe at First Community Credit Union?

Yes. First Community Credit Union is a federally insured credit union (NCUA charter #60103). 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 9.1% of shares and deposits ($103.3M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 12.34%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

25 locations

Branches

First Community Credit Union lists 25 offices in 22 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
First Community Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
60103
RSSD ID
369396
Primary regulator
State + NCUA
Established
1939
Headquarters
PO Box 2180, Jamestown, ND 58402
Employees
274

Quick answers

First Community Credit Union: common questions

Is First Community Credit Union NCUA insured?

Yes. First Community Credit Union is a federally insured credit union (NCUA charter #60103). 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 First Community Credit Union's TellerScore?

71 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 First Community Credit Union have?

25 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Jamestown

InstitutionScoreAssetsCapitalProblem loansCompare
Bank ForwardBank Fargo, ND70 out of 100, Strong$1.1B10.2%0.67%vs
Unison BankBank Jamestown, ND67 out of 100, Moderate$596.9M10.0%0.44%vs
Gate City BankBank Fargo, ND65 out of 100, Moderate$4.0B9.8%0.69%vs
Dakota Heritage BankBank Hunter, ND63 out of 100, Moderate$416.8M9.8%1.62%vs
Wells Fargo Bank, National AssociationBank Sioux Falls, SD58 out of 100, Moderate$1.9T8.0%1.04%vs
Dacotah BankBank Aberdeen, SD55 out of 100, Moderate$4.9B10.1%1.52%vs