| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.7% | +4.8% | -2.0 pts |
| Share growth (YoY) | +1.3% | +4.3% | -3.0 pts |
| Loan growth (YoY) | +10.7% | +4.3% | +6.3 pts |
| ROA | 0.41% | 0.62% | -0.2 pts |
| ROE | 3.1% | 5.9% | -2.8 pts |
ROA ranks in the 29th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $952.4M | $818.2M | $457.2M | $127.2M | $977K | 0.41% | 3.24% | 0.56% | 57,810 |
| Q4 2025 | $937.4M | $805.2M | $445.1M | $126.2M | $3.3M | 0.35% | 3.14% | 0.42% | 57,404 |
| Q3 2025 | $927.6M | $797.5M | $441.1M | $125.6M | $2.4M | 0.34% | 3.11% | 0.32% | 57,028 |
| Q2 2025 | $931.3M | $809.1M | $416.9M | $125.0M | $1.8M | 0.40% | 3.03% | 0.61% | 56,667 |
| Q1 2025 | $927.2M | $807.3M | $413.1M | $123.8M | $644K | 0.28% | 2.91% | 0.48% | 56,196 |
| Q4 2024 | $888.4M | $773.4M | $414.7M | $123.2M | $4.2M | 0.47% | 3.00% | 0.58% | 55,967 |
| Q3 2024 | $908.1M | $784.7M | $395.5M | $122.9M | $3.6M | 0.53% | 2.90% | 0.70% | 55,826 |
| Q2 2024 | $889.4M | $778.1M | $390.5M | $121.7M | $2.4M | 0.54% | 2.93% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | First City Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.41% | 0.62% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 3.1% | 5.9% | 23th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.24% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.25% |
| 55,699 |
Loan mix (Q1 2026): real estate $277.2M · commercial $0 · consumer $176.8M · securities $290.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.5% | 78.3% | 52th |
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% |
| Ratio | First City Credit Union | 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% |
| Ratio | First City Credit Union | 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% |
| Ratio | First City Credit Union | 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% |
| Ratio | First City Credit Union | 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% |
The full ratio pack is part of CharterBench Pro.