1st United

Pleasanton, CA · 2 · Charter #63958 · www.1stUnitedcu.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
17th percentile
Members
61,337
11th percentile
Total loans
$817.2M
11th percentile
Total shares
$1.1B
21th percentile

Profitability

Return on assets
1.09%
56th percentile
Net interest margin
3.31%
57th percentile
Efficiency ratio
58.13%
23th percentile
Non-interest income ratio
16.29%
33th percentile

Capital & Risk

Net worth ratio
11.92%
70th percentile
Delinquency rate
0.23%
93th percentile
Net charge-off rate
0.29%
79th percentile
Loan-to-share
74.69%
19th percentile

Growth

Member growth YoY
2.17%
48th percentile
Asset growth YoY
2.84%
25th percentile
Loan growth YoY
-2.63%
10th percentile
Share growth YoY
2.11%
21th percentile

Operations

Members / branch
7,667
51th percentile
Assets / member
$20,326
69th percentile
Field of membership penetration
2.47%
24th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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