First Service

Houston, TX · 2 · Charter #68605 · www.fscu.com
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
$1.5B
31th percentile
Members
106,409
45th percentile
Total loans
$1.1B
37th percentile
Total shares
$1.3B
32th percentile

Profitability

Return on assets
1.02%
51th percentile
Net interest margin
3.65%
79th percentile
Efficiency ratio
63.07%
10th percentile
Non-interest income ratio
25.22%
87th percentile

Capital & Risk

Net worth ratio
10.92%
54th percentile
Delinquency rate
0.57%
65th percentile
Net charge-off rate
0.79%
24th percentile
Loan-to-share
91.66%
56th percentile

Growth

Member growth YoY
5.05%
77th percentile
Asset growth YoY
-8.66%
0th percentile
Loan growth YoY
8.36%
70th percentile
Share growth YoY
5.81%
55th percentile

Operations

Members / branch
7,601
50th percentile
Assets / member
$13,783
13th percentile
Field of membership penetration
1.31%
11th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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