First Community

Houston, TX · 2 · Charter #66818 · www.FCCU.org
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
$3.0B
67th percentile
Members
182,310
72th percentile
Total loans
$2.1B
65th percentile
Total shares
$2.1B
59th percentile

Profitability

Return on assets
0.15%
6th percentile
Net interest margin
2.79%
25th percentile
Efficiency ratio
50.10%
58th percentile
Non-interest income ratio
21.48%
70th percentile

Capital & Risk

Net worth ratio
7.81%
2th percentile
Delinquency rate
0.48%
74th percentile
Net charge-off rate
0.63%
33th percentile
Loan-to-share
101.56%
83th percentile

Growth

Member growth YoY
7.70%
90th percentile
Asset growth YoY
16.14%
93th percentile
Loan growth YoY
7.15%
63th percentile
Share growth YoY
3.98%
33th percentile

Operations

Members / branch
12,154
85th percentile
Assets / member
$16,331
34th percentile
Field of membership penetration
2.43%
24th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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