Credit union · NCUA insured
First Community Credit Union
A $421.3M credit union headquartered in Beloit, WI, with 33,845 members and 9 branches in 2 states. Best rates: CDs 4.00% and savings 0.90% APY.
First Community Credit Union Carrot Score
81
Carrot Score
Higher than 57% of U.S. banks and credit unions
#7 of 23 in Rockford, IL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About First Community Credit Union
- Headquarters
- 1702 Park Ave, Beloit, WI 53511
- NCUA charter
- 67214
Branches
9 branches in 2 states
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Illinois
5 branches
Rockford area · 4
- Belvidere782 Beloit Rd, Belvidere, IL 61008Directions
- Rockford Branch6079 E Riverside Blvd, Rockford, IL 61114Directions
- Rockford State4615 E State St, Rockford, IL 61108Directions
- Roscoe Branch5390 Williams Dr, Roscoe, IL 61073Directions
Freeport area · 1
- Freeport Branch1550 W Galena Ave, Freeport, IL 61032Directions
Wisconsin
4 branches
Janesville area · 3
- Main OfficeMain office1702 Park Ave, Beloit, WI 53511Directions
- Willowbrook Branch1555 Willowbrook Rd, Beloit, WI 53511Directions
- Janesville Branch2701 N Pontiac Dr, Janesville, WI 53545Directions
Madison area · 1
- Monroe Branch140 W 7th St, Monroe, WI 53566Directions
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 | 10.69% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.77% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.92% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $107 | $76 | — |
- CapitalNet worth ratio10.69%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.77%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.92%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$107Peers’ 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 First 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.