First Community

Jamestown, ND · 2 · Charter #60103 · www.myfccu.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
$1.5B
29th percentile
Members
46,751
2th percentile
Total loans
$1.1B
29th percentile
Total shares
$1.1B
24th percentile

Profitability

Return on assets
0.30%
9th percentile
Net interest margin
2.93%
32th percentile
Efficiency ratio
50.63%
54th percentile
Non-interest income ratio
12.74%
15th percentile

Capital & Risk

Net worth ratio
12.53%
77th percentile
Delinquency rate
0.56%
66th percentile
Net charge-off rate
0.06%
98th percentile
Loan-to-share
93.52%
61th percentile

Growth

Member growth YoY
0.24%
27th percentile
Asset growth YoY
9.28%
77th percentile
Loan growth YoY
6.77%
60th percentile
Share growth YoY
4.13%
34th percentile

Operations

Members / branch
1,798
0th percentile
Assets / member
$31,042
95th percentile
Field of membership penetration
5.53%
50th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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