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Overview / Commentary
200 N Adams St
Coquille, OR 97423

First Community CU (OR) is headquartered in Coquille and is the 9th largest credit union in the state of Oregon. It is also the 284th largest credit union in the nation. It was established in 1957 and as of December of 2013, it had grown to 258 employees and 72,987 members. First Community CU (OR) has a A health rating.

Field of Membership Restrictions

Becoming a First Community member is so easy. We’re open to everyone in our community. Anyone who lives or works in the communities we serve can become a member of First Community Credit Union. First Community serves members in 22 counties, almost all of them in Oregon: Clackamas Coos Curry Deschutes Douglas Gilliam Hood River Josephine Jackson Klamath Lane Lincoln Linn Marion Morrow Multnomah Polk Sherman Umatilla Wasco Washington Yamhill. - See Details

Reviews (2)

Breaking away from the Banks

I got sick of Bank of America and decided to switch to something better. These guys are smaller but the service is so, so much better. Every time I dealt with BoA I felt like I was being swindled but now I'm with a credit union that actually cares. They have great rates and some wonderful services. The website could be better but it's nothing to sneeze at. They do good business.

A Great Place For Banking!

I have a business checking account and home insurance with this credit union.  It is a great place to do your banking.  Everyone is very friendly and knows each customer by name.  What a change to be known by your name not just by a number!   I have recommended clients, friends and family to this credit union.  Many have gotten their car loans, mortgages, credit cards and other services here.  Loan rates are competitive.  These people will work with you to make sure your needs are taken care of.   The employees are involved in our community with rotary, greeters, and other services. 


Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 First Community CU (OR) had $6.67 million in non-current loans and owned real-estate with $80.15 million in equity and loan loss allowances on hand to cover it. This gives First Community CU (OR) a Texas Ratio of 8.33% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for First Community CU (OR) decreased dramatically from 13.11% as of December 31, 2012 to 8.33% as of December 31, 2013, resulting in a positive change of 36.50%.This indicates that the balance sheet and financial strength for First Community CU (OR) has improved dramatically in recent periods.

Deposit Growth


In the past year, First Community CU (OR) has increased its total deposits by $14.42 million, resulting in 2.13% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First Community CU (OR) has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First Community CU (OR) has $772.76 million in assets with $80.15 million in equity, resulting in a capitalization level of 10.37%, which is above average.

Institution Statistics

NCUA #68530
Year Chartered1957
Primary Regulator
Assets and Liabilities
Assets$772.76 million
Loans$400.05 million
Deposits$691.55 million
Equity Capital$75.83 million
Loan Loss Allowance$4.33 million
Unbacked Noncurrent Loans$3.47 million
Real Estate Owned$3.20 million
Historic Data - December 2012
Assets$752.02 million
Equity Capital$69.56 million
Loan Loss Allowance$5.17 million
Unbacked Noncurrent Loans$3.47 million
Real Estate Owned$2.81 million
Profit Margin - Quarterly
Net Interest Margin5.56%
Return on Assets0.81%
Return on Equity8.27%
Interest Income$25.33 million

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First Community CU (OR) has 30 locations. Click to view all First Community CU (OR) locations.