1st University

Waco, TX · 2 · Charter #67483 · www.culink.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
$17.9M
59th percentile
Members
1,899
63th percentile
Total loans
$11.9M
71th percentile
Total shares
$15.8M
60th percentile

Profitability

Return on assets
0.10%
20th percentile
Net interest margin
3.96%
49th percentile
Efficiency ratio
89.61%
12th percentile
Non-interest income ratio
38.20%
96th percentile

Capital & Risk

Net worth ratio
10.24%
17th percentile
Delinquency rate
2.64%
18th percentile
Net charge-off rate
0.07%
65th percentile
Loan-to-share
74.78%
69th percentile

Growth

Member growth YoY
2.70%
88th percentile
Asset growth YoY
1.99%
56th percentile
Loan growth YoY
-11.75%
18th percentile
Share growth YoY
0.93%
53th percentile

Operations

Members / branch
1,899
76th percentile
Assets / member
$9,447
52th percentile
Field of membership penetration
0.59%
4th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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