Focus First

Rochester, NY · 1 · Charter #10220 · www.focusfirstfcu.org
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
$10.1M
41th percentile
Members
898
33th percentile
Total loans
$2.0M
23th percentile
Total shares
$6.9M
37th percentile

Profitability

Return on assets
-17.38%
0th percentile
Net interest margin
-4.88%
0th percentile
Efficiency ratio
308.02%
0th percentile
Non-interest income ratio
6.85%
40th percentile

Capital & Risk

Net worth ratio
31.53%
94th percentile
Delinquency rate
0.06%
80th percentile
Net charge-off rate
0.69%
25th percentile
Loan-to-share
28.54%
11th percentile

Growth

Member growth YoY
-6.65%
11th percentile
Asset growth YoY
-18.28%
1th percentile
Loan growth YoY
-6.10%
37th percentile
Share growth YoY
-7.11%
14th percentile

Operations

Members / branch
299
13th percentile
Assets / member
$11,282
66th percentile
Field of membership penetration
0.12%
0th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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