First Trust

Michigan City, IN · 2 · Charter #68596 · www.firsttrustcu.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$184.7M
85th percentile
Members
14,934
90th percentile
Total loans
$50.7M
40th percentile
Total shares
$159.7M
85th percentile

Profitability

Return on assets
1.82%
88th percentile
Net interest margin
3.39%
35th percentile
Efficiency ratio
50.74%
82th percentile
Non-interest income ratio
22.56%
75th percentile

Capital & Risk

Net worth ratio
13.26%
62th percentile
Delinquency rate
1.28%
23th percentile
Net charge-off rate
0.08%
88th percentile
Loan-to-share
31.73%
4th percentile

Growth

Member growth YoY
3.68%
89th percentile
Asset growth YoY
4.65%
57th percentile
Loan growth YoY
2.46%
56th percentile
Share growth YoY
3.23%
49th percentile

Operations

Members / branch
3,734
64th percentile
Assets / member
$12,369
32th percentile
Field of membership penetration
4.50%
44th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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