Credit union · NCUA insured
1st Community Credit Union
Top CarrotA $284.8M credit union headquartered in Sparta, WI, with 15,743 members and 3 branches in Wisconsin. Best rates: CDs 4.00% and savings 1.31% APY.
1st Community Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 89% of U.S. banks and credit unions
#2 of 10 in Sparta, WI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About 1st Community Credit Union
- Headquarters
- 1000 W Wisconsin St, Sparta, WI 54656-2230
- NCUA charter
- 67012
Branches
3 branches in Wisconsin
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Wisconsin
3 branches
Sparta area · 2
- 1st CCU SpartaMain office1000 W Wisconsin St, Sparta, WI 54656Directions
- 1st CCU Tomah220 Buan St, Tomah, WI 54660Directions
La Crosse area · 1
- 1st CCU West Salem1410 W City Highway 16, West Salem, WI 54669Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.16% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.83% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.32% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $84 | $76 | — |
- CapitalNet worth ratio10.16%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.83%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.32%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$84Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of 1st Community Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.