First American Credit Union
Total assets
$111.8M
▼ -1.2% YoY
Shares & deposits
$94.8M
▼ -3.5% YoY
Loans
$53.0M
▼ -16.8% YoY
Members
11,841
▼ -13.7% YoY
ROA (annualized)
0.88%
peers 0.69%
ROE (annualized)
6.61%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.2% | +3.9% | -5.1 pts |
| Share growth (YoY) | -3.5% | +3.3% | -6.8 pts |
| Loan growth (YoY) | -16.8% | +2.9% | -19.8 pts |
| ROA | 0.88% | 0.69% | +0.2 pts |
| ROE | 6.6% | 5.9% | +0.7 pts |
ROA ranks in the 63rd percentile of its peer group · Q1 2026
Profile
- Established
- 1962
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- 1001 N Pinal Ave, Casa Grande, AZ, 85122
- NCUA charter #
- 64412
- RSSD ID
- 475792
- 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 | $111.8M | $94.8M | $53.0M | $14.9M | $246K | 0.88% | 4.01% | 0.35% | 11,841 |
| Q4 2025 | $112.7M | $96.2M | $57.3M | $14.6M | $1.6M | 1.41% | 4.27% | 0.43% | 11,925 |
| Q3 2025 | $107.9M | $92.2M | $60.1M | $14.5M | $1.4M | 1.69% | 4.49% | 1.08% | 12,029 |
| Q2 2025 | $109.4M | $94.1M | $62.7M | $14.0M | $937K | 1.71% | 4.47% | 0.32% | 12,313 |
| Q1 2025 | $113.1M | $98.2M | $63.7M | $13.7M | $576K | 2.04% | 4.34% | 0.13% | 13,725 |
| Q4 2024 | $113.6M | $99.4M | $65.8M | $13.1M | $1.8M | 1.62% | 4.37% | 0.25% | 13,640 |
| Q3 2024 | $111.1M | $97.3M | $67.5M | $12.8M | $1.5M | 1.80% | 4.43% | 0.22% | 13,685 |
| Q2 2024 | $115.5M | $101.5M | $70.2M | $12.2M | $906K | 1.57% | 4.18% | 0.27% | 13,659 |
Loan mix (Q1 2026): real estate $8.4M · commercial $0 · consumer $40.0M · securities $16.4M
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 | 0.88% | 0.69% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 6.6% | 5.9% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.01% | 3.62% | 75th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.6% | 78.7% | 46th | |
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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