Financial-condition comparison

FIRST COMMUNITY CU OF BELOIT vs PROSPERA

This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”

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Credit union

FIRST COMMUNITY CU OF BELOIT

Beloit, WI

Health score

66.6

Total assets

$421.3M

View full profileData through 2026-Q1

Credit union

PROSPERA

APPLETON, WI

C-

Health score

61.2

Total assets

$378.8M

View full profileData through 2026-Q1

Answer first

Different strengths, no blanket winner

FIRST COMMUNITY CU OF BELOIT leads on financial health and capitalization and profitability; PROSPERA leads on lending quality. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.

Capital and asset-quality definitions are directly comparable for this pair.

Category leaders

Where each institution leads

Financial health

FIRST COMMUNITY CU OF BELOIT

Higher TFS health score

Capitalization

FIRST COMMUNITY CU OF BELOIT

Higher comparable capital ratio

Profitability

FIRST COMMUNITY CU OF BELOIT

Higher return on assets

Lending quality

PROSPERA

Lower problem-loan measure

Same-source detail

Financial metrics

Winner markers appear only where the metric definitions are comparable and both values are available.

Metric	FIRST COMMUNITY CU OF BELOIT	PROSPERA
TFS health score	66.6/100Leads	61.2/100
Total assets	$421.3M	$378.8M
Total deposits / shares	$359.9M	$323.2M
Net worth ratio	10.16%Leads	8.99%
Return on assets	0.80%Leads	0.22%
Return on equity	7.83%Leads

Branch and market overlap

FIRST COMMUNITY CU OF BELOIT

9 branches

PROSPERA

7 branches

Both institutions report branches in 1 state: WI.

CFPB complaint coverage

FIRST COMMUNITY CU OF BELOIT

Unavailable

PROSPERA

Unavailable

Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.

Regulatory-action context

FIRST COMMUNITY CU OF BELOIT

0 in TFS registry

PROSPERA

0 in TFS registry

Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.

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FIRST COMMUNITY CU OF BELOIT

PROSPERA

Coverage boundaries

What this does not conclude

• No product-rate, fee, or customer-service winner without product data.
• Complaint comparisons appear only when both institutions have reviewed mappings and the same complete source window.
• Regulatory actions are displayed separately and are not included in category scoring.

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Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.