Credit union
Community First Credit Union
Appleton, Wisconsin, Winnebago County, WI
$6.8B in total assets and 166,721 members, the 55th largest of 4,298 US credit unions and 3rd of 98 headquartered in Wisconsin.
- NCUA charter
- 66642
- Charter
- State chartered (WI)
- Chartered
- 1975
- NCUA insured since
- 1985
At a glance
Compared with 14 federally insured credit unions in Wisconsin with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This credit union | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $6.8B | 86% | $3.7B | |
| Loans | $5.1B | 86% | $2.8B | |
| Deposits (shares) | $5.9B | 86% | $3.0B | |
| Members | 166,721 | 50% | 173,390 | |
| Return on assets | 1.54% | 93% | 1.19% | |
| Net interest income to assets | 2.43% | 2% | 3.48% | |
| Efficiency ratio | 47.2% | 2% | 65.8% | |
| Net worth ratio | 12.85% | 79% | 10.88% | |
| Loans to shares | 86% | 36% | 98% | |
| Cost of deposits | 2.50% | 93% | 2.07% |
Ratios are annualized from year-to-date figures. Return on assets uses average assets, as NCUA does. Cost of deposits includes dividends on shares.
Growth
Total assets grew 10.7% a year over 10 years and 8.1% a year over the last 5, including 3 mergers in the last 10 years. Membership grew 2.5% a year over 5 years, to 166,721.
Mergers and acquisitions
| Closed | Absorbed | Assets at last filing |
|---|---|---|
| Jun 2025 | Oshkosh Postal Employees Credit Union Credit union, Oshkosh, WI | $6M |
| Feb 2020 | Oshkosh Truck Credit Union Credit union, Oshkosh, WI | $16M |
| Oct 2017 | St. Elizabeth Empls. Credit Union Credit union, Appleton, WI | $5M |
| Sep 2014 | Oshkosh Central Credit Union Credit union, Oshkosh, WI | $28M |
| Dec 2013 | Menasha Employees Credit Union Credit union, Menasha, WI | $17M |
| Jul 2013 | Public Service Credit Union Credit union, Kewaunee, WI | $864K |
| Feb 2012 | Newvision Credit Union Credit union, Neenah, WI | $12M |
| Aug 2011 | W. P. S. Credit Union Credit union, Oshkosh, WI | $2M |
| Apr 2011 | Menasha Corporation Employees Credit Union Credit union, Neenah, WI | $7M |
| Oct 2010 | Manitowoc County Employees Credit Union Credit union, Manitowoc, WI | $2M |
Where they operate
30 branches in 6 counties.
1 of 30 branch locations are approximate (ZIP code centers).
Largest counties by branches
| County | Branches | Share of all branches | Rank |
|---|---|---|---|
| Winnebago County, WI | 11 | 16.9% | 1 of 30 |
| Outagamie County, WI | 9 | 12.5% | 1 of 27 |
| Brown County, WI | 3 | 3.2% | 9 of 27 |
| Waupaca County, WI | 3 | 13.6% | 3 of 8 |
| Calumet County, WI | 2 | 9.1% | 4 of 14 |
| Manitowoc County, WI | 2 | 6.2% | 4 of 15 |
Credit unions do not report deposits by branch, so these are branch counts: this credit union's branches against every bank and credit union branch in the county. Rank is among all banks and credit unions with a branch there.
Branches by year
| Year end | Branches | Change |
|---|---|---|
| 2016 | 27 | |
| 2017 | 28 | +1 |
| 2018 | 28 | 0 |
| 2019 | 29 | +1 |
| 2020 | 30 | +1 |
| 2021 | 30 | 0 |
| 2022 | 29 | −1 |
| 2023 | 29 | 0 |
| 2024 | 29 | 0 |
| 2025 | 29 | 0 |
| Jun 2026 | 30 | +1 |
Member-serving offices as listed in NCUA call reports. Changes include branches gained in mergers.
Earnings and credit
Return on assets
Year to date, annualized, with the peer median.
Credit and capital
| This credit union | Peer median | |
|---|---|---|
| Delinquent loans, 60+ days | 0.14% | 0.65% |
| Net worth ratio | 12.85% | 10.88% |
| Loans to shares | 86% | 98% |
Delinquent loans are two or more months past due. Net worth is NCUA's capital measure for credit unions.
Related
Credit unions of similar size in Wisconsin
Most branches in Winnebago County, WI
Figures as of June 30, 2026 from the credit union's NCUA call report (Form 5300), NCUA's credit union locator and FFIEC merger records.