First Watch

Abilene, TX · 1 · Charter #13290 · www.myfwcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$100.5M
47th percentile
Members
9,379
64th percentile
Total loans
$68.7M
58th percentile
Total shares
$90.6M
50th percentile

Profitability

Return on assets
0.16%
6th percentile
Net interest margin
3.49%
41th percentile
Efficiency ratio
79.99%
7th percentile
Non-interest income ratio
24.79%
82th percentile

Capital & Risk

Net worth ratio
9.62%
18th percentile
Delinquency rate
0.00%
100th percentile
Net charge-off rate
0.15%
76th percentile
Loan-to-share
75.88%
64th percentile

Growth

Member growth YoY
-2.92%
25th percentile
Asset growth YoY
3.79%
49th percentile
Loan growth YoY
1.15%
49th percentile
Share growth YoY
4.07%
56th percentile

Operations

Members / branch
3,126
50th percentile
Assets / member
$10,713
18th percentile
Field of membership penetration
2.79%
35th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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