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1st Community Credit Union Share
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Overview Share
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1st Community Credit Union is a federally insured state credit union based in Sparta, Wisconsin. It has been opened since 1961, for 61 years.

With around $169,910,000 in assets, 1st Community Credit Union is considered to be a large credit union. It has 2 branches and 2 ATM locations.

About Share
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Address P.O. Box 167
Sparta, Wisconsin 54656
Website http://www.1stccu.com
Phone (608) 269-8121
Fax (608) 269-1074
CEO Brad A. Bauges
President of the Board Eric Hesselberg
Services Offered
Score Card Share
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61 years
Years in business
Opened in 1961
Well Capitalized
Net worth classification
Source: NCUA
12,066 members
Membership type: State chartered natural person credit union
Above average number of members
246:1
Credit union member to staff ratio
246 per each FTE employee
Compared to 411:1 nationally
Tons of staff!
$169,909,235
Total assets
Above average
2 branches
Compared with an average of 4 nationally and 5 in Wisconsin
Above average number of branches
0.20%
Savings interest rate
Compared to 0.3% nationally
9.40%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches Share
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2 branches
Compared with an average of 4 nationally and 5 in Wisconsin
Above average number of branches
1st Community Credit Union Branch Locations

1st Community Credit Union: 1st Ccu Sparta
1000 W. Wisconsin Street
Sparta, Wisconsin 54656
ATM Available
1st Community Credit Union: 1st Ccu West Salem
1410 W. City Highway 16
West Salem, Wisconsin 54669
ATM Available
Members Share
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12,066 members
Membership type: State chartered natural person credit union
Above average number of members

With 12,066 members, the 1st Community Credit Union is considered to be a large credit union. It is larger than 74% of credit unions.

Fees Share
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$31
Average fee per member
The average fee per member at the 1st Community Credit Union is $31, which is low compared to most credit unions. This rate is lower than 65% of all credit unions.
Fees are lower than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the 1st Community Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff Share
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246:1
Credit union member to staff ratio
246 per each FTE employee
Compared to 411:1 nationally
Tons of staff!
49 staff members
FTE (full-time equivalent)
19% of employees are part-time
44 full-time, 10 part-time

1st Community Credit Union has 44 full-time staff members and 10 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 81% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. 1st Community Credit Union has around 246 members per staff, a very low ratio compared to other credit unions. This is a very well staffed credit union.

Assets Share
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$169,909,235
Total assets
Above average
Net worth Share
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
9.7%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases Share
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$17,937
Average loan and lease size
Loan & lease sizes are big! They are bigger than at 88% of credit unions.

1st Community Credit Union holds a total of $132,950,000 in loans and leases, which is about $17,937 per member on average.

Savings interest rate Share
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0.20%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. 1st Community Credit Union pays 0.20%.

Loan rates Share
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9.40%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
9.70%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
4.75%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates Share
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4.35%
New car loan rate
Compared to 4.0% nationally
4.60%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates Share
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5.50%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
5.40%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally
5.50%
Other real estate loan rates
Compared to 0.9% nationally

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