Credit union · NCUA insured
Community First Credit Union
A $98.7M credit union headquartered in Ashtabula, OH, with 4,956 members and 2 branches in Ohio. Best rates: CDs 3.82% and savings 1.01% APY.
Community First Credit Union Carrot Score
82
Carrot Score
Higher than 60% of U.S. banks and credit unions
#17 of 60 in Cleveland, OH metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Community First Credit Union
Community First Credit Union is a member-owned credit union based in Ashtabula, Ohio, operating two local branches and serving Ashtabula County.
- Headquarters
- 2043 E Prospect Rd, Ashtabula, OH 44004
- NCUA charter
- 61094
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is available to any person who lives, works, attends school, or worships in Ashtabula County, Ohio.
Family and household
- All immediate family of current members are eligible to join regardless of residency.
Cost to join
- There are no fees to join.
- A $5.00 deposit into a new share savings account is required for the purchase of one share to open an account.
Branches
2 branches in Ohio
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Ohio
2 branches
- Ashtabula BranchMain office2043 E Prospect Rd, Ashtabula, OH 44004Directions
- Jefferson Branch22 W Jefferson St, Jefferson, OH 44047Directions
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 | 13.96% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.69% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.47% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $56 | $59 | — |
- CapitalNet worth ratio13.96%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.69%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.47%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$56Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 Community First Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.