First Commonwealth
Lehigh Valley, PA · Charter 12765 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 17 branches
Q2 2026
$1.5BAssets
$1.1BLoans
$1.3BShares
$147.1MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 91% of credit unions $1B-$10B in assets (rank 37 of 435).
- Widest gap: nonperforming loans / loans trails 91% of credit unions $1B-$10B in assets (rank 395 of 435).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.68%
Rank 280 of 435
Net Interest Margin
4.12%
Rank 37 of 435
Efficiency Ratio
72.58%
Rank 235 of 435
Equity / Assets
10.02%
Rank 300 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.68% | 0.55% | 0.81% | 1.14% | Beats 36% | 280 / 435 | |
| Return on Equity | 6.83% | 5.12% | 7.41% | 9.70% | Beats 43% | 248 / 435 | |
| Net Interest Margin | 4.12% | 3.01% | 3.39% | 3.75% | Beats 91% | 37 / 435 | |
| Efficiency Ratio | 72.58% | 65.25% | 71.39% | 77.86% | Beats 46% | 235 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.53% | 0.45% | 0.69% | 1.05% | Beats 9% | 395 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.02% | 9.81% | 10.84% | 12.63% | Beats 31% | 300 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.02% | 9.81% | 10.84% | 12.63% | Beats 31% | 300 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 86.10% | 78.33% | 88.38% | 95.61% | 44th pctl | 245 / 435 | |
| Loans / Assets | 77.14% | 67.69% | 74.58% | 80.80% | 59th pctl | 178 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |