First

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

$786.7M

86^th percentile

Members

44,210

80^th percentile

Total loans

$480.1M

78^th percentile

Total shares

$675.9M

87^th percentile

Profitability

Return on assets

0.92%

44^th percentile

Net interest margin

3.65%

64^th percentile

Efficiency ratio

60.41%

44^th percentile

Non-interest income ratio

15.68%

30^th percentile

Capital & Risk

Net worth ratio

9.37%

23^th percentile

Delinquency rate

0.60%

61^th percentile

Net charge-off rate

1.24%

7^th percentile

Loan-to-share

71.02%

28^th percentile

Growth

Member growth YoY

0.38%

48^th percentile

Asset growth YoY

7.01%

66^th percentile

Loan growth YoY

16.77%

93^th percentile

Share growth YoY

3.95%

43^th percentile

Operations

Members / branch

5,526

67^th percentile

Assets / member

$17,794

62^th percentile

Field of membership penetration

0.90%

13^th percentile

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