1st Cooperative
Cayce, SC · Charter 24627 · Peer group: credit unions under $1B in assets (n=1,674-1,677)
NCUA · 1 branch
Q1 2026
$22.0MAssets
$14.4MLoans
$18.8MShares
$2.8MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 96% of credit unions under $1B in assets (rank 61 of 1676).
- Widest gap: return on equity trails 99% of credit unions under $1B in assets (rank 1659 of 1674).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
-5.41%
Rank 1,661 of 1,677
Net Interest Margin
5.68%
Rank 61 of 1,676
Efficiency Ratio
137.05%
Rank 1,644 of 1,674
Equity / Assets
12.61%
Rank 848 of 1,676
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -5.41% | 0.29% | 0.71% | 1.15% | Beats 1% | 1,661 / 1,677 | |
| Return on Equity | -42.91% | 2.30% | 5.46% | 8.75% | Beats 1% | 1,659 / 1,674 | |
| Net Interest Margin | 5.68% | 3.27% | 3.78% | 4.29% | Beats 96% | 61 / 1,676 | |
| Efficiency Ratio | 137.05% | 69.04% | 78.86% | 87.73% | Beats 2% | 1,644 / 1,674 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.51% | 0.23% | 0.59% | 1.15% | Beats 56% | 740 / 1,675 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.61% | 10.32% | 12.68% | 16.26% | Beats 49% | 851 / 1,677 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.61% | 10.32% | 12.68% | 16.26% | Beats 49% | 848 / 1,676 | |
| Liquidity & Funding |
| Loans / Deposits | 76.86% | 52.64% | 68.65% | 82.42% | 65th pctl | 582 / 1,676 | |
| Loans / Assets | 65.52% | 44.39% | 58.63% | 70.08% | 65th pctl | 588 / 1,676 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |