First Service Credit Union
Total assets
$1.48B
▲ +4.7% YoY
Shares & deposits
$1.30B
▲ +4.5% YoY
Loans
$1.16B
▲ +7.7% YoY
Members
108,239
▲ +4.7% YoY
ROA (annualized)
0.24%
peers 0.71%
ROE (annualized)
2.21%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.7% | +5.1% | -0.4 pts |
| Share growth (YoY) | +4.5% | +4.9% | -0.3 pts |
| Loan growth (YoY) | +7.7% | +5.4% | +2.2 pts |
| ROA | 0.24% | 0.71% | -0.5 pts |
| ROE | 2.2% | 6.3% | -4.1 pts |
ROA ranks in the 12th percentile of its peer group · Q1 2026
Profile
- Established
- 1977
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- Po Box 941914, Houston, TX, 77094
- NCUA charter #
- 68605
- RSSD ID
- 650889
- 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 | $1.48B | $1.30B | $1.16B | $161.0M | $890K | 0.24% | 3.64% | 0.53% | 108,239 |
| Q4 2025 | $1.47B | $1.26B | $1.15B | $160.2M | $6.2M | 0.42% | 3.65% | 0.57% | 106,409 |
| Q3 2025 | $1.43B | $1.23B | $1.11B | $158.8M | $4.5M | 0.42% | 3.70% | 0.72% | 104,821 |
| Q2 2025 | $1.42B | $1.23B | $1.10B | $157.2M | $2.8M | 0.40% | 3.66% | 0.78% | 102,993 |
| Q1 2025 | $1.41B | $1.24B | $1.08B | $156.4M | $2.0M | 0.58% | 3.59% | 0.85% | 103,361 |
| Q4 2024 | $1.61B | $1.19B | $1.06B | $154.4M | $1.2M | 0.07% | 2.76% | 0.82% | 101,296 |
| Q3 2024 | $1.36B | $1.19B | $1.03B | $155.3M | $1.8M | 0.18% | 3.17% | 0.85% | 99,478 |
| Q2 2024 | $1.31B | $1.14B | $1.01B | $152.0M | $1.2M | 0.18% | 3.20% | 0.99% | 95,261 |
Loan mix (Q1 2026): real estate $442.8M · commercial $35.6M · consumer $640.2M · securities $95.1M
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 | 0.24% | 0.71% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | 2.2% | 6.3% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.64% | 3.32% | 71th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.6% | 73.0% | 85th | |
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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