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Overview / Commentary
200 N Adams St
Coquille, OR 97423-1804

First Community CU (OR) is headquartered in Coquille and is the 9th largest credit union in the state of Oregon. It is also the 289th largest credit union in the nation. It was established in 1957 and as of March of 2014, it had grown to 256 employees and 72,940 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 (3)

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. 

Great credit union!

I had problems with my old bank and had been hearing from multiple people that I should try out a credit union instead. I honestly didn't know how a credit union differed from a normal bank but I ended doing a bit of research and found a local credit union that looked very promising. Compared to my old bank these guys are life savers. They have great rates, good customer service, an okay website, and the simple fact that I never have to worry about them trying to screw me over like the banks adds up to an amazing upgrade over my previous banking needs. I am now one of those people singing the praise of credit unions over banks.

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.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 First Community CU (OR) had $5.15 million in non-current loans and owned real-estate with $81 million in equity and loan loss allowances on hand to cover it. This gives First Community CU (OR) a Texas Ratio of 6.36% 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 13.05% as of March 31, 2013 to 6.36% as of March 31, 2014, resulting in a positive change of 51.25%.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 $17.79 million, resulting in 2.58% 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 $790.04 million in assets with $81 million in equity, resulting in a capitalization level of 10.25%, which is above average.

Institution Statistics

NCUA #68530
Year Chartered1957
Primary Regulator
Assets and Liabilities
Assets$790.04 million
Loans$399.02 million
Deposits$707.85 million
Equity Capital$76.67 million
Loan Loss Allowance$4.34 million
Unbacked Noncurrent Loans$2.78 million
Real Estate Owned$2.38 million
Historic Data - March 2013
Assets$766.57 million
Equity Capital$70.98 million
Loan Loss Allowance$4.88 million
Unbacked Noncurrent Loans$2.78 million
Real Estate Owned$4.21 million
Profit Margin - Quarterly
Net Interest Margin1.22%
Return on Assets0.43%
Return on Equity4.39%
Interest Income$5.74 million

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