First Community

Chesterfield, MO · 2 · Charter #67619 · www.firstcommunity.com
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$4.8B
84th percentile
Members
408,317
94th percentile
Total loans
$3.3B
80th percentile
Total shares
$4.3B
86th percentile

Profitability

Return on assets
0.95%
46th percentile
Net interest margin
2.59%
17th percentile
Efficiency ratio
42.46%
83th percentile
Non-interest income ratio
18.70%
51th percentile

Capital & Risk

Net worth ratio
8.48%
7th percentile
Delinquency rate
0.52%
69th percentile
Net charge-off rate
0.41%
61th percentile
Loan-to-share
76.40%
22th percentile

Growth

Member growth YoY
0.33%
28th percentile
Asset growth YoY
7.06%
62th percentile
Loan growth YoY
5.06%
51th percentile
Share growth YoY
10.03%
83th percentile

Operations

Members / branch
9,722
71th percentile
Assets / member
$11,844
3th percentile
Field of membership penetration
15.57%
77th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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