First Frontier

LYNBROOK, NY · 1 · Charter #24270
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$462.9K
4th percentile
Members
125
3th percentile
Total loans
$355.0K
7th percentile
Total shares
$376.0K
4th percentile

Profitability

Return on assets
1.55%
80th percentile
Net interest margin
2.56%
9th percentile
Efficiency ratio
15.16%
99th percentile
Non-interest income ratio
0.00%
1th percentile

Capital & Risk

Net worth ratio
18.78%
69th percentile
Delinquency rate
0.00%
100th percentile
Net charge-off rate
0.00%
90th percentile
Loan-to-share
94.41%
90th percentile

Growth

Member growth YoY
0.00%
66th percentile
Asset growth YoY
-9.27%
6th percentile
Loan growth YoY
2.94%
73th percentile
Share growth YoY
-12.17%
5th percentile

Operations

Members / branch
125
4th percentile
Assets / member
$3,703
10th percentile
Field of membership penetration
15.63%
28th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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