1st Community

San Angelo, TX · 1 · Charter #8715 · www.1cfcu.org
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
$408.1M
42th percentile
Members
23,627
38th percentile
Total loans
$281.4M
46th percentile
Total shares
$351.6M
44th percentile

Profitability

Return on assets
1.31%
72th percentile
Net interest margin
4.01%
82th percentile
Efficiency ratio
63.73%
30th percentile
Non-interest income ratio
28.20%
90th percentile

Capital & Risk

Net worth ratio
13.75%
83th percentile
Delinquency rate
3.83%
1th percentile
Net charge-off rate
1.07%
10th percentile
Loan-to-share
80.04%
49th percentile

Growth

Member growth YoY
3.90%
83th percentile
Asset growth YoY
2.73%
31th percentile
Loan growth YoY
0.84%
32th percentile
Share growth YoY
1.70%
24th percentile

Operations

Members / branch
2,148
4th percentile
Assets / member
$17,271
59th percentile
Field of membership penetration
4.04%
49th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

Want the full picture for 1st Community?

This is a free public preview. Tudovu's Industry Data Explorer adds custom peer groups, 10+ years of history, side-by-side comparisons, and one-click downloadable peer reports — used by credit unions to plan their next quarter.

See Tudovu →Free demo