TellerScore

First Community Credit Union is a federally insured state-chartered credit union headquartered in Coquille, Oregon, in business for about 69 years. At the end of Q2 2026 it reported $1.9B in total assets and $1.6B in member shares and deposits, with 26 offices.

Based on its Q2 2026 filing, First Community Credit Union scores 86/100, which we describe as very strong. That is higher than 95% of 454 credit unions with $1 billion – $10 billion. Among 47 credit unions headquartered in Oregon, it ranks 5th. Its strongest component is loan quality (99/100; 0.04%), and its lowest is earnings (72/100; 1.31%).

TellerScore · Q2 2026

Scorecard

Capital cushion83/100
Net worth ratio: 13.29%
Loan quality99/100
Loans 60+ days delinquent ÷ total loans: 0.04%
Earnings72/100
Return on assets (annualized): 1.31%
Funding & liquidity79/100
Loans ÷ shares: 81.0% · 6.3% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.31%

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 3 points (83 → 86), mostly because the capital cushion component improved by 8 points.

TellerScore
798386Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202479
Q3 202479
Q4 202479
Q1 202581
Q2 202583
Q3 202584
Q4 202584
Q1 202686
Q2 202686
Net worth ratio
7.00%10.14%13.29%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.80%
Q3 202411.99%
Q4 202412.22%
Q1 202512.22%
Q2 202512.50%
Q3 202512.73%
Q4 202513.15%
Q1 202613.28%
Q2 202613.29%
Delinquent loans (60+ days)
0.04%0.06%0.08%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.05%
Q3 20240.08%
Q4 20240.07%
Q1 20250.06%
Q2 20250.06%
Q3 20250.05%
Q4 20250.06%
Q1 20260.05%
Q2 20260.04%
Return on assets
0.79%1.12%1.46%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.79%
Q3 20240.79%
Q4 20240.85%
Q1 20251.09%
Q2 20251.20%
Q3 20251.22%
Q4 20251.19%
Q1 20261.46%
Q2 20261.31%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202686$1.9B13.29%0.04%1.31%81.0%
Q1 202686$1.8B13.28%0.05%1.46%85.1%
Q4 202584$1.7B13.15%0.06%1.19%86.6%
Q3 202584$1.7B12.73%0.05%1.22%76.8%
Q2 202583$1.7B12.50%0.06%1.20%77.4%
Q1 202581$1.7B12.22%0.06%1.09%77.1%
Q4 202479$1.7B12.22%0.07%0.85%76.0%
Q3 202479$1.7B11.99%0.08%0.79%68.4%
Q2 202479$1.7B11.80%0.05%0.79%68.8%

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 ratio13.29%
82nd
Problem loans0.04%
100th
Net charge-offs0.04%
98th
Return on assets1.31%
85th
Loans to deposits81.0%
68th
Uninsured deposits6.3%
79th
Loan-loss reserves0.00%
50th
Texas ratio0.3%
99th

Similar-size credit unions in Oregon

InstitutionScoreAssetsCapitalProblem loansCompare
Marion and Polk Schools Credit UnionCredit union Salem, OR59 out of 100, Moderate$1.9B9.6%1.32%vs
Unitus Community Credit UnionCredit union Tigard, OR63 out of 100, Moderate$1.8B9.9%0.43%vs
Oregon State Credit UnionCredit union Corvallis, OR76 out of 100, Strong$2.8B11.8%0.58%vs
Selco Community Credit UnionCredit union Springfield, OR77 out of 100, Strong$3.0B11.9%0.37%vs
Rivermark Community Credit UnionCredit union Oregon City, OR58 out of 100, Moderate$3.3B10.8%1.72%vs
Oregon Community Credit UnionCredit union Eugene, OR55 out of 100, Moderate$3.7B10.8%1.49%vs

Deposit insurance

Is my money safe at First Community Credit Union?

Yes. First Community Credit Union is a federally insured credit union (NCUA charter #68530). 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 6.3% of shares and deposits ($100.9M) are above the $250,000 NCUA insurance limit, below the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 13.29%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

26 locations

Branches

First Community Credit Union lists 26 offices in 23 cities. 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 #
68530
RSSD ID
837484
Primary regulator
State + NCUA
Established
1957
Headquarters
200 N Adams St, Coquille, OR 97423
Employees
386

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 #68530). 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?

86 out of 100 (Very 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?

26 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Coquille

InstitutionScoreAssetsCapitalProblem loansCompare
Oregon Pacific Banking Company dba Oregon Pacific BankBank Florence, OR74 out of 100, Strong$825.4M11.2%0.39%vs
Banner BankBank Walla Walla, WA72 out of 100, Strong$16.6B11.2%0.46%vs
Rogue Credit UnionCredit union Medford, OR67 out of 100, Moderate$4.3B10.4%0.95%vs
Columbia BankBank Roseburg, OR64 out of 100, Moderate$65.4B9.7%0.57%vs
First Interstate BankBank Billings, MT62 out of 100, Moderate$25.8B9.4%1.12%vs
Wells Fargo Bank, National AssociationBank Sioux Falls, SD58 out of 100, Moderate$1.9T8.0%1.04%vs