Community 1st Federal Credit Union
Overview / Commentary
Community 1st Federal Credit Union is headquartered in Miles City and is the 23rd largest credit union in the state of Montana. It is also the 2,602nd largest credit union in the nation. It was established in 1953 and as of March of 2025, it had grown to 11 employees and 3,895 members at 2 locations. Community 1st Federal Credit Union has a B health rating.
Field of Membership Restrictions
Membership in Community 1st Federal Credit Union is open to those who live, work, worship, or attend school in the Montana counties of Carter, Custer, Garfield, Prairie, Powder River, or Rosebud. Members of any association headquartered in Miles City (MT) also qualify for membership.
See current membership details
Health
B
Data as of Q1 2025
Learn why bank health mattersAdditional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Community 1st Federal Credit Union has a low asset base.
Health Grade Components
| Overall | |
|---|---|
| NCUA # | 8588 |
| Year Chartered | 1953 |
| Employees | 11 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.44% |
| Return on Equity - YTD | 3.88% |
| Annual Interest Income | $559K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $41.4MM$39.1MM |
| Loans | Q1 2025vs Q1 2024 | $31.6MM$30.9MM |
| Deposits | Q1 2025vs Q1 2024 | $36.1MM$34.3MM |
| Equity Capital | Q1 2025vs Q1 2024 | $4.5MM$4.2MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $437K$387K |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $844K$1.1MM |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |