First Class Community

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$93.3M

41^th percentile

Members

6,939

44^th percentile

Total loans

$37.7M

24^th percentile

Total shares

$83.7M

45^th percentile

Profitability

Return on assets

1.58%

81^th percentile

Net interest margin

3.89%

64^th percentile

Efficiency ratio

69.26%

28^th percentile

Non-interest income ratio

31.02%

93^th percentile

Capital & Risk

Net worth ratio

10.45%

28^th percentile

Delinquency rate

0.33%

78^th percentile

Net charge-off rate

0.56%

27^th percentile

Loan-to-share

45.02%

13^th percentile

Growth

Member growth YoY

-5.26%

11^th percentile

Asset growth YoY

-1.30%

14^th percentile

Loan growth YoY

-0.20%

41^th percentile

Share growth YoY

-3.73%

7^th percentile

Operations

Members / branch

3,470

58^th percentile

Assets / member

$13,441

42^th percentile

Field of membership penetration

0.69%

10^th percentile

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