First Commonwealth

Lehigh Valley, PA · 1 · Charter #12765 · www.firstcomcu.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
$1.5B
30th percentile
Members
97,556
40th percentile
Total loans
$1.1B
36th percentile
Total shares
$1.3B
34th percentile

Profitability

Return on assets
1.31%
73th percentile
Net interest margin
3.88%
88th percentile
Efficiency ratio
58.11%
24th percentile
Non-interest income ratio
17.77%
45th percentile

Capital & Risk

Net worth ratio
9.77%
27th percentile
Delinquency rate
1.23%
17th percentile
Net charge-off rate
0.81%
23th percentile
Loan-to-share
86.87%
44th percentile

Growth

Member growth YoY
2.88%
57th percentile
Asset growth YoY
7.41%
65th percentile
Loan growth YoY
2.10%
30th percentile
Share growth YoY
6.69%
63th percentile

Operations

Members / branch
5,739
28th percentile
Assets / member
$14,906
21th percentile
Field of membership penetration
13.86%
76th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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