First Street
Deridder, LA · Charter 20417 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$60.6MAssets
$28.5MLoans
$50.7MShares
$9.9MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 93% of credit unions under $1B in assets (rank 124 of 1682).
- Widest gap: net interest margin trails 95% of credit unions under $1B in assets (rank 1604 of 1683).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.31%
Rank 338 of 1,683
Net Interest Margin
2.58%
Rank 1,604 of 1,683
Efficiency Ratio
55.73%
Rank 124 of 1,682
Equity / Assets
16.27%
Rank 442 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.31% | 0.35% | 0.74% | 1.18% | Beats 80% | 338 / 1,683 | |
| Return on Equity | 8.07% | 2.67% | 5.89% | 8.74% | Beats 70% | 500 / 1,681 | |
| Net Interest Margin | 2.58% | 3.31% | 3.82% | 4.32% | Beats 5% | 1,604 / 1,683 | |
| Efficiency Ratio | 55.73% | 68.91% | 78.20% | 86.93% | Beats 93% | 124 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.20% | 0.26% | 0.65% | 1.29% | Beats 80% | 340 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 16.27% | 10.44% | 12.89% | 16.53% | Beats 74% | 442 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 16.27% | 10.44% | 12.89% | 16.53% | Beats 74% | 442 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 56.28% | 52.61% | 69.38% | 83.50% | 30th pctl | 1,180 / 1,683 | |
| Loans / Assets | 47.07% | 44.71% | 59.18% | 70.72% | 29th pctl | 1,196 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |