1st Street

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

$32.1M

80^th percentile

Members

1,888

63^th percentile

Total loans

$12.6M

73^th percentile

Total shares

$26.7M

79^th percentile

Profitability

Return on assets

1.46%

78^th percentile

Net interest margin

3.51%

34^th percentile

Efficiency ratio

60.56%

63^th percentile

Non-interest income ratio

20.91%

84^th percentile

Capital & Risk

Net worth ratio

15.46%

53^th percentile

Delinquency rate

0.19%

72^th percentile

Net charge-off rate

0.43%

37^th percentile

Loan-to-share

47.04%

30^th percentile

Growth

Member growth YoY

-0.53%

60^th percentile

Asset growth YoY

-1.19%

35^th percentile

Loan growth YoY

0.34%

64^th percentile

Share growth YoY

-2.92%

30^th percentile

Operations

Members / branch

472

21^th percentile

Assets / member

$16,989

92^th percentile

Field of membership penetration

11.80%

25^th percentile

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