1st Class Express

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

$2.1M

13^th percentile

Members

627

22^th percentile

Total loans

$1.3M

17^th percentile

Total shares

$1.5M

13^th percentile

Profitability

Return on assets

1.11%

64^th percentile

Net interest margin

6.01%

95^th percentile

Efficiency ratio

82.66%

20^th percentile

Non-interest income ratio

8.08%

45^th percentile

Capital & Risk

Net worth ratio

24.30%

85^th percentile

Delinquency rate

0.56%

55^th percentile

Net charge-off rate

-3.02%

100^th percentile

Loan-to-share

86.35%

84^th percentile

Growth

Member growth YoY

-2.64%

37^th percentile

Asset growth YoY

-9.38%

6^th percentile

Loan growth YoY

-19.08%

7^th percentile

Share growth YoY

-13.74%

4^th percentile

Operations

Members / branch

157

6^th percentile

Assets / member

$3,293

8^th percentile

Field of membership penetration

4.18%

16^th percentile

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