1st Cooperative

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

$21.4M

65^th percentile

Members

2,500

77^th percentile

Total loans

$15.2M

79^th percentile

Total shares

$18.3M

65^th percentile

Profitability

Return on assets

1.51%

78^th percentile

Net interest margin

6.11%

96^th percentile

Efficiency ratio

69.96%

43^th percentile

Non-interest income ratio

10.37%

54^th percentile

Capital & Risk

Net worth ratio

14.38%

46^th percentile

Delinquency rate

0.41%

61^th percentile

Net charge-off rate

0.50%

32^th percentile

Loan-to-share

83.25%

81^th percentile

Growth

Member growth YoY

-0.87%

56^th percentile

Asset growth YoY

0.33%

44^th percentile

Loan growth YoY

-15.33%

11^th percentile

Share growth YoY

-1.85%

35^th percentile

Operations

Members / branch

2,500

87^th percentile

Assets / member

$8,557

44^th percentile

Field of membership penetration

86.21%

94^th percentile

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