First Commerce

Tallahassee, FL · 2 · Charter #68301 · www.firstcommercecu.org
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$1.2B
14th percentile
Members
72,472
21th percentile
Total loans
$921.7M
19th percentile
Total shares
$1.0B
16th percentile

Profitability

Return on assets
0.86%
41th percentile
Net interest margin
3.17%
46th percentile
Efficiency ratio
55.39%
32th percentile
Non-interest income ratio
20.34%
64th percentile

Capital & Risk

Net worth ratio
10.16%
36th percentile
Delinquency rate
0.57%
65th percentile
Net charge-off rate
0.46%
56th percentile
Loan-to-share
91.46%
55th percentile

Growth

Member growth YoY
4.17%
69th percentile
Asset growth YoY
8.82%
74th percentile
Loan growth YoY
11.23%
83th percentile
Share growth YoY
3.26%
27th percentile

Operations

Members / branch
5,177
18th percentile
Assets / member
$16,461
35th percentile
Field of membership penetration
3.08%
32th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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