First Care

Roanoke, VA · 1 · Charter #22322 · www.crchcreditunion.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
$5.7M
28th percentile
Members
1,207
43th percentile
Total loans
$2.9M
30th percentile
Total shares
$4.8M
29th percentile

Profitability

Return on assets
-1.89%
3th percentile
Net interest margin
3.76%
42th percentile
Efficiency ratio
92.30%
11th percentile
Non-interest income ratio
3.99%
29th percentile

Capital & Risk

Net worth ratio
15.69%
55th percentile
Delinquency rate
2.99%
15th percentile
Net charge-off rate
0.60%
28th percentile
Loan-to-share
59.91%
49th percentile

Growth

Member growth YoY
-3.29%
30th percentile
Asset growth YoY
-5.84%
14th percentile
Loan growth YoY
-10.58%
22th percentile
Share growth YoY
-4.44%
23th percentile

Operations

Members / branch
1,207
55th percentile
Assets / member
$4,743
15th percentile
Field of membership penetration
24.14%
37th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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