1St Community Federal Credit Union
Total assets
$422.2M
▲ +2.3% YoY
Shares & deposits
$363.7M
▲ +1.2% YoY
Loans
$276.7M
▼ -0.2% YoY
Members
23,575
▲ +3.6% YoY
ROA (annualized)
1.29%
peers 0.69%
ROE (annualized)
9.46%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.3% | +3.9% | -1.7 pts |
| Share growth (YoY) | +1.2% | +3.3% | -2.1 pts |
| Loan growth (YoY) | -0.2% | +2.9% | -3.2 pts |
| ROA | 1.29% | 0.69% | +0.6 pts |
| ROE | 9.5% | 5.9% | +3.5 pts |
ROA ranks in the 83rd percentile of its peer group · Q1 2026
Profile
- Established
- 1953
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- 3505 Wildewood Dr, San Angelo, TX, 76904
- NCUA charter #
- 8715
- RSSD ID
- 328085
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $422.2M | $363.7M | $276.7M | $57.5M | $1.4M | 1.29% | 3.84% | 4.85% | 23,575 |
| Q4 2025 | $408.1M | $351.6M | $281.4M | $56.1M | $3.7M | 0.91% | 4.01% | 3.83% | 23,627 |
| Q3 2025 | $408.5M | $350.8M | $283.3M | $55.5M | $3.1M | 1.00% | 4.01% | 3.19% | 23,746 |
| Q2 2025 | $412.8M | $356.3M | $278.3M | $54.6M | $2.2M | 1.07% | 3.93% | 2.08% | 23,583 |
| Q1 2025 | $412.8M | $359.4M | $277.4M | $54.7M | $1.2M | 1.17% | 3.85% | 2.15% | 22,764 |
| Q4 2024 | $397.2M | $345.7M | $279.1M | $53.5M | $4.3M | 1.08% | 3.99% | 2.31% | 22,741 |
| Q3 2024 | $397.1M | $340.6M | $277.9M | $52.7M | $3.5M | 1.18% | 3.96% | 2.17% | 23,643 |
| Q2 2024 | $396.9M | $339.2M | $283.2M | $51.6M | $2.4M | 1.21% | 3.92% | 2.15% | 22,877 |
Loan mix (Q1 2026): real estate $47.6M · commercial $60.9M · consumer $143.2M · securities $50.7M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.29% | 0.69% | 83th | |
Return on equity Annualized net income ÷ equity or net worth | 9.5% | 5.9% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.84% | 3.62% | 65th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.5% | 78.7% | 35th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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