B
1st Community Credit Union
SpartaWI
Rating Date
December 2025
Net Capital
Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings 1st Community Credit Union
Sparta, WI
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Rating B
Asset Quality Index 7.90
Capitalization Index 7.20
Liquidity Index 2.30
Profitability Index 7.80
Stability Index 5.70
Company Info 1st Community Credit Union
Sparta, WI
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NCUA Charter Number 5663
Phone Number (888) 706-1228
Website www.1stccu.com
Asset Quality 1st Community Credit Union
Sparta, WI
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1-Year Asset Growth -0.69%
5-Year Asset Growth 9.44%
5-Year Charge-Offs to Average Loans 0.10%
Charge-Offs to Average Loans 0.11%
Non-Performing Assets to Assets 0.48%
Non-Performing Loans to Capital 4.89%
Non-Performing Loans to Loans 0.58%
Balance Sheet 1st Community Credit Union
Sparta, WI
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Total Assets 270.88M
Total Deposits 240.33M
Capital and Reserves 1st Community Credit Union
Sparta, WI
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Capital 25.89M
Leverage Ratio 9.82
Loan Loss Reserves to Loans 0.30%
Liquidity 1st Community Credit Union
Sparta, WI
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Hot Money Ratio 12.83%
Liquidity Ratio 12.14%
Profitability 1st Community Credit Union
Sparta, WI
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5-Year Return on Average Assets 0.53%
Net Income 2.43M
Net Interest Spread 4.26%
Operating Profit to Average Assets 1.30%
Overhead Efficiency Ratio 73.34%
Return on Assets 1.19%
Return on Equity 13.21%