Hiawatha, Iowa · Peer group 5
First Credit Union
First Credit Union holds $177.4M in assets across 10,057 members as of Q1 2026 — about $18K of assets per member, on a charter dating to 1926. Charter number 24673, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $177.4M |
|---|---|
| Total loans | $139.7M |
| Total shares (deposits) | $151.3M |
| Net worth | $12.9M |
| Members | 10,057 |
| Assets per member | $18K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -6.5% | |
|---|---|---|
| Loans | -5.7% | lower than 91% of its peer group |
| Deposits | -3.5% | lower than 93% of its peer group |
| Members | -5.4% | lower than 91% of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 92.3% | higher than 93% of its peer group |
|---|---|---|
| Net worth ratio | 7.3% | lower than 99% of its peer group |
| Return on assets | -0.59% | lower than 98% of its peer group |
| Delinquency ratio | 0.71% | around the 58th percentile of its peer group |
| Cash / assets | 6.0% | around the 18th percentile of its peer group |
| Borrowings / assets | 5.8% | higher than 95% of its peer group |
What this page does not show
Everything above is First Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Iowa — the comparison set a peer ratio is measured against.
- 1st Gateway Credit Union
Camanche, IA
$171.9M · 10,317 members
- Cent Credit Union
Mason City, IA
$165.9M · 11,472 members
- Telco Triad Community Credit Union
Sioux City, IA
$163.2M · 16,018 members
- North Star Community Credit Union
Cherokee, IA
$156.5M · 12,254 members
- Aim Credit Union
Dubuque, IA
$199.1M · 14,204 members
- Employees Credit Union
Estherville, IA
$200.2M · 9,142 members
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