This institution-specific credential completion study examined student demographic, academic, and financial characteristics and their relationship to on-time credential completion. Working with institutional data from a rural-serving medium size, public community college in Iowa, a cohort of first-time-in-college students were analyzed for the traditional measurement of on-time completion based on the type of program the student enrolled in their first term. The data was analyzed with descriptive statistics and inferential statistics. The variables found to be significant were underrepresented students, first-generation students, dual enrolled students, math placement level, housing arrangement, EFC category as a measurement of socioeconomic status, and financial aid dependency status. The findings will aid in future planning at the institution for policy and practices aimed at improving student retention and thereby greater success for on-time credential completion.