First Flight Federal Credit Union
Total assets
$278.1M
▲ +10.1% YoY
Shares & deposits
$244.7M
▲ +10.6% YoY
Loans
$167.1M
▲ +9.8% YoY
Members
20,560
▲ +4.5% YoY
ROA (annualized)
0.30%
peers 0.69%
ROE (annualized)
2.74%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.2% | +3.9% | +6.2 pts |
| Share growth (YoY) | +10.6% | +3.3% | +7.3 pts |
| Loan growth (YoY) | +9.8% | +2.9% | +6.9 pts |
| ROA | 0.30% | 0.69% | -0.4 pts |
| ROE | 2.7% | 5.9% | -3.2 pts |
ROA ranks in the 23rd percentile of its peer group · Q1 2026
Profile
- Established
- 1952
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- 1815 Kildaire Farm Rd, Suite A, Cary, NC, 27518
- NCUA charter #
- 7870
- RSSD ID
- 570286
- 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 | $278.1M | $244.7M | $167.1M | $30.8M | $211K | 0.30% | 4.11% | 0.82% | 20,560 |
| Q4 2025 | $271.7M | $238.0M | $166.2M | $30.6M | $1.3M | 0.46% | 4.20% | 1.00% | 20,367 |
| Q3 2025 | $264.8M | $231.5M | $162.4M | $30.8M | $1.4M | 0.71% | 4.26% | 0.75% | 20,186 |
| Q2 2025 | $259.1M | $227.1M | $155.5M | $30.4M | $1.0M | 0.78% | 4.30% | 0.52% | 19,940 |
| Q1 2025 | $252.5M | $221.2M | $152.2M | $29.8M | $131K | 0.21% | 4.29% | 0.40% | 19,679 |
| Q4 2024 | $249.1M | $217.6M | $152.5M | $29.7M | $1.2M | 0.50% | 4.24% | 0.77% | 19,587 |
| Q3 2024 | $244.7M | $212.0M | $148.0M | $30.8M | $2.3M | 1.26% | 4.27% | 0.60% | 19,365 |
| Q2 2024 | $240.6M | $207.7M | $137.8M | $30.3M | $2.0M | 1.69% | 4.27% | 0.54% | 19,154 |
Loan mix (Q1 2026): real estate $38.7M · commercial $7.4M · consumer $77.2M · securities $52.7M
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 | 0.30% | 0.69% | 23th | |
Return on equity Annualized net income ÷ equity or net worth | 2.7% | 5.9% | 23th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.11% | 3.62% | 79th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.0% | 78.7% | 59th | |
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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