First Citizens'

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$684.3M

76^th percentile

Members

43,342

78^th percentile

Total loans

$415.2M

70^th percentile

Total shares

$544.2M

73^th percentile

Profitability

Return on assets

1.29%

71^th percentile

Net interest margin

3.75%

69^th percentile

Efficiency ratio

63.58%

31^th percentile

Non-interest income ratio

15.04%

26^th percentile

Capital & Risk

Net worth ratio

19.82%

99^th percentile

Delinquency rate

0.87%

36^th percentile

Net charge-off rate

0.40%

52^th percentile

Loan-to-share

76.28%

38^th percentile

Growth

Member growth YoY

-3.62%

14^th percentile

Asset growth YoY

1.17%

19^th percentile

Loan growth YoY

-16.08%

0^th percentile

Share growth YoY

1.26%

19^th percentile

Operations

Members / branch

3,612

28^th percentile

Assets / member

$15,789

47^th percentile

Field of membership penetration

4.33%

51^th percentile

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