Financial Center First

Indianapolis, IN · 2 · Charter #68658 · www.fcfcu.com/
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$952.2M
97th percentile
Members
58,129
93th percentile
Total loans
$641.2M
93th percentile
Total shares
$807.7M
97th percentile

Profitability

Return on assets
0.40%
14th percentile
Net interest margin
3.43%
48th percentile
Efficiency ratio
67.44%
18th percentile
Non-interest income ratio
16.71%
35th percentile

Capital & Risk

Net worth ratio
11.07%
53th percentile
Delinquency rate
1.28%
17th percentile
Net charge-off rate
0.65%
28th percentile
Loan-to-share
79.38%
47th percentile

Growth

Member growth YoY
-7.39%
5th percentile
Asset growth YoY
7.76%
71th percentile
Loan growth YoY
26.94%
98th percentile
Share growth YoY
5.33%
56th percentile

Operations

Members / branch
5,284
62th percentile
Assets / member
$16,381
53th percentile
Field of membership penetration
2.06%
28th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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