TellerScore

Headquartered in Beloit, Wisconsin, First Community CU of Beloit Credit Union is a federally insured state-chartered credit union with $410.2M in total assets and $348.1M in member shares and deposits as of Q2 2026. It operates 9 offices across 2 states. Its charter dates back to 1933.

Based on its Q2 2026 filing, First Community CU of Beloit Credit Union scores 63/100, which we describe as moderate. That is higher than only 29% of 1,341 credit unions with $100 million – $1 billion. Among 98 credit unions headquartered in Wisconsin, it ranks 78th. Its strongest component is problem-loan coverage (86/100; 7.1%), and its lowest is funding & liquidity (52/100; 107% loans-to-deposits, 16% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion57/100
Net worth ratio: 10.69%
Loan quality74/100
Loans 60+ days delinquent ÷ total loans: 0.77%
Earnings57/100
Return on assets (annualized): 0.93%
Funding & liquidity52/100
Loans ÷ shares: 107.3% · 16.0% uninsured
Problem-loan coverage86/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 7.11%

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 (61 → 63), mostly because the earnings component improved by 15 points.

TellerScore
616670Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202470
Q3 202468
Q4 202467
Q1 202566
Q2 202561
Q3 202562
Q4 202561
Q1 202663
Q2 202663
Net worth ratio
7.00%8.96%10.92%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202410.92%
Q3 202410.50%
Q4 202410.70%
Q1 202510.62%
Q2 202510.54%
Q3 202510.32%
Q4 202510.15%
Q1 202610.16%
Q2 202610.69%
Delinquent loans (60+ days)
0.34%0.55%0.77%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.34%
Q3 20240.39%
Q4 20240.63%
Q1 20250.59%
Q2 20250.72%
Q3 20250.52%
Q4 20250.68%
Q1 20260.66%
Q2 20260.77%
Return on assets
0.52%0.81%1.09%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.05%
Q3 20241.03%
Q4 20241.09%
Q1 20250.91%
Q2 20250.55%
Q3 20250.52%
Q4 20250.62%
Q1 20260.80%
Q2 20260.93%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202663$410.2M10.69%0.77%0.93%107.3%
Q1 202663$421.3M10.16%0.66%0.80%101.3%
Q4 202561$413.4M10.15%0.68%0.62%102.1%
Q3 202562$397.0M10.32%0.52%0.52%105.4%
Q2 202561$388.9M10.54%0.72%0.55%104.9%
Q1 202566$384.1M10.62%0.59%0.91%102.3%
Q4 202467$373.3M10.70%0.63%1.09%103.1%
Q3 202468$368.6M10.50%0.39%1.03%103.3%
Q2 202470$349.7M10.92%0.34%1.05%104.4%

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 ratio10.69%
39th
Problem loans0.77%
44th
Net charge-offs0.30%
57th
Return on assets0.93%
62nd
Loans to deposits107.3%
1st
Uninsured deposits16.0%
5th
Loan-loss reserves0.00%
50th
Texas ratio7.1%
25th

Similar-size credit unions in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
Park City Credit UnionCredit union Merrill, WI67 out of 100, Moderate$397.4M9.9%0.36%vs
Unison Credit UnionCredit union Kaukauna, WI71 out of 100, Strong$393.6M9.7%0.29%vs
Prospera Credit UnionCredit union Appleton, WI61 out of 100, Moderate$378.9M9.1%0.22%vs
Fort Community Credit UnionCredit union Fort Atkinson, WI59 out of 100, Moderate$449.8M11.7%1.59%vs
Cloverbelt Credit UnionCredit union Wausau, WI76 out of 100, Strong$354.2M12.4%0.24%vs
Unitedone Credit UnionCredit union Manitowoc, WI73 out of 100, Strong$348.3M11.8%0.24%vs

Deposit insurance

Is my money safe at First Community CU of Beloit Credit Union?

Yes. First Community CU of Beloit Credit Union is a federally insured credit union (NCUA charter #67214). 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 16.0% of shares and deposits ($55.7M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.69%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

9 locations

Branches

First Community CU of Beloit Credit Union lists 9 offices in 7 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
First Community CU of Beloit Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67214
RSSD ID
914796
Primary regulator
State + NCUA
Established
1933
Headquarters
1702 Park Ave, Beloit, WI 53511
Employees
114

Quick answers

First Community CU of Beloit Credit Union: common questions

Is First Community CU of Beloit Credit Union NCUA insured?

Yes. First Community CU of Beloit Credit Union is a federally insured credit union (NCUA charter #67214). 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 CU of Beloit Credit Union's TellerScore?

63 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 First Community CU of Beloit Credit Union have?

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

Nearby

Highest-scoring banks and credit unions with branches near Beloit

InstitutionScoreAssetsCapitalProblem loansCompare
Linxus Credit UnionCredit union Machesney Park, IL91 out of 100, Very strong$17.5M16.2%0.02%vs
Generations Credit UnionCredit union Rockford, IL91 out of 100, Very strong$22.4M16.4%0.10%vs
First Citizens State BankBank Whitewater, WI90 out of 100, Very strong$525.2M18.0%0.00%vs
Teachers Credit UnionCredit union Beloit, WI81 out of 100, Strong$37.6M12.2%0.16%vs
Farmers and Merchants Union BankBank Columbus, WI78 out of 100, Strong$872.1M10.0%0.15%vs
First Northern Credit UnionCredit union Chicago, IL78 out of 100, Strong$333.2M11.3%0.71%vs