U-1st Community

Carlsbad, NM · 1 · Charter #10580 · www.u1stcommfcu.net
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$9.5M
40th percentile
Members
864
32th percentile
Total loans
$6.1M
49th percentile
Total shares
$8.0M
41th percentile

Profitability

Return on assets
0.55%
38th percentile
Net interest margin
4.50%
69th percentile
Efficiency ratio
74.29%
35th percentile
Non-interest income ratio
19.15%
81th percentile

Capital & Risk

Net worth ratio
14.88%
50th percentile
Delinquency rate
0.25%
68th percentile
Net charge-off rate
0.44%
36th percentile
Loan-to-share
76.28%
71th percentile

Growth

Member growth YoY
-0.35%
63th percentile
Asset growth YoY
1.82%
55th percentile
Loan growth YoY
2.00%
70th percentile
Share growth YoY
1.20%
54th percentile

Operations

Members / branch
864
41th percentile
Assets / member
$10,961
64th percentile
Field of membership penetration
5.76%
19th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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