First City

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$937.4M

97^th percentile

Members

57,404

93^th percentile

Total loans

$445.1M

74^th percentile

Total shares

$805.2M

96^th percentile

Profitability

Return on assets

0.51%

20^th percentile

Net interest margin

3.14%

30^th percentile

Efficiency ratio

67.20%

19^th percentile

Non-interest income ratio

17.66%

41^th percentile

Capital & Risk

Net worth ratio

13.46%

81^th percentile

Delinquency rate

0.42%

77^th percentile

Net charge-off rate

0.54%

36^th percentile

Loan-to-share

55.28%

7^th percentile

Growth

Member growth YoY

2.57%

73^th percentile

Asset growth YoY

5.52%

53^th percentile

Loan growth YoY

7.33%

67^th percentile

Share growth YoY

4.11%

45^th percentile

Operations

Members / branch

8,201

88^th percentile

Assets / member

$16,330

52^th percentile

Field of membership penetration

1.25%

18^th percentile

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