First U.S. Community

Sacramento, CA · 2 · Charter #68474 · www.firstus.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

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
$548.6M
63th percentile
Members
27,818
49th percentile
Total loans
$351.1M
60th percentile
Total shares
$483.9M
64th percentile

Profitability

Return on assets
0.63%
29th percentile
Net interest margin
2.90%
19th percentile
Efficiency ratio
60.08%
45th percentile
Non-interest income ratio
12.97%
15th percentile

Capital & Risk

Net worth ratio
11.86%
64th percentile
Delinquency rate
0.60%
61th percentile
Net charge-off rate
0.20%
76th percentile
Loan-to-share
72.54%
31th percentile

Growth

Member growth YoY
-1.47%
28th percentile
Asset growth YoY
2.02%
25th percentile
Loan growth YoY
-1.06%
21th percentile
Share growth YoY
1.34%
20th percentile

Operations

Members / branch
4,636
50th percentile
Assets / member
$19,720
74th percentile
Field of membership penetration
1.11%
17th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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