First Community Credit Union
Total assets
$4.99B
▲ +5.4% YoY
Shares & deposits
$4.46B
▲ +8.5% YoY
Loans
$3.29B
▲ +2.8% YoY
Members
347,799
▼ -15.1% YoY
ROA (annualized)
0.84%
peers 0.71%
ROE (annualized)
9.93%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.4% | +5.1% | +0.3 pts |
| Share growth (YoY) | +8.5% | +4.9% | +3.6 pts |
| Loan growth (YoY) | +2.8% | +5.4% | -2.6 pts |
| ROA | 0.84% | 0.71% | +0.1 pts |
| ROE | 9.9% | 6.3% | +3.6 pts |
ROA ranks in the 61st percentile of its peer group · Q1 2026
Profile
- Established
- 1934
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 17151 Chesterfield Airport Rd, Chesterfield, MO, 63005
- NCUA charter #
- 67619
- RSSD ID
- 674997
- 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 | $4.99B | $4.46B | $3.29B | $420.7M | $10.4M | 0.84% | 2.63% | 0.46% | 347,799 |
| Q4 2025 | $4.84B | $4.30B | $3.29B | $410.3M | $37.3M | 0.77% | 2.59% | 0.52% | 408,317 |
| Q3 2025 | $4.78B | $4.24B | $3.28B | $399.6M | $26.7M | 0.74% | 2.58% | 0.45% | 408,271 |
| Q2 2025 | $4.83B | $4.20B | $3.25B | $386.5M | $16.3M | 0.67% | 2.48% | 0.47% | 413,046 |
| Q1 2025 | $4.74B | $4.11B | $3.20B | $377.0M | $6.8M | 0.57% | 2.42% | 0.39% | 409,871 |
| Q4 2024 | $4.52B | $3.91B | $3.13B | $370.2M | $28.0M | 0.62% | 2.31% | 0.47% | 406,959 |
| Q3 2024 | $4.47B | $3.82B | $3.11B | $362.4M | $20.3M | 0.61% | 2.27% | 0.47% | 402,691 |
| Q2 2024 | $4.36B | $3.73B | $3.07B | $355.0M | $12.8M | 0.59% | 2.23% | 0.46% | 402,941 |
Loan mix (Q1 2026): real estate $1.31B · commercial $29.2M · consumer $1.92B · securities $929.0M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.84% | 0.71% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 9.9% | 6.3% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.63% | 3.32% | 13th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.5% | 73.0% | 29th | |
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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