First

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$179.7M

83^th percentile

Members

10,124

70^th percentile

Total loans

$142.7M

93^th percentile

Total shares

$146.2M

80^th percentile

Profitability

Return on assets

-0.50%

2^th percentile

Net interest margin

2.15%

3^th percentile

Efficiency ratio

56.60%

68^th percentile

Non-interest income ratio

18.65%

58^th percentile

Capital & Risk

Net worth ratio

7.32%

1^th percentile

Delinquency rate

1.25%

24^th percentile

Net charge-off rate

0.69%

19^th percentile

Loan-to-share

97.58%

94^th percentile

Growth

Member growth YoY

-6.14%

8^th percentile

Asset growth YoY

-6.41%

1^th percentile

Loan growth YoY

-5.66%

16^th percentile

Share growth YoY

-1.15%

17^th percentile

Operations

Members / branch

1,266

5^th percentile

Assets / member

$17,754

74^th percentile

Field of membership penetration

3.23%

37^th percentile

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