First Pace

West St Paul, MN · 2 · Charter #64089 · www.firstpacecu.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

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
$9.0M
39th percentile
Members
904
34th percentile
Total loans
$5.7M
48th percentile
Total shares
$7.3M
39th percentile

Profitability

Return on assets
-0.95%
6th percentile
Net interest margin
4.35%
64th percentile
Efficiency ratio
100.61%
6th percentile
Non-interest income ratio
6.55%
39th percentile

Capital & Risk

Net worth ratio
18.62%
69th percentile
Delinquency rate
0.00%
100th percentile
Net charge-off rate
0.45%
36th percentile
Loan-to-share
78.07%
74th percentile

Growth

Member growth YoY
-3.00%
33th percentile
Asset growth YoY
-2.03%
30th percentile
Loan growth YoY
0.58%
65th percentile
Share growth YoY
-1.16%
39th percentile

Operations

Members / branch
301
13th percentile
Assets / member
$9,953
55th percentile
Field of membership penetration
30.13%
43th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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