First Unity
McComb, MS · Charter 24859 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$11.7MAssets
$8.4MLoans
$9.7MShares
$1.6MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 100% of credit unions under $1B in assets (rank 6 of 1682).
- Widest gap: nonperforming loans / loans trails 100% of credit unions under $1B in assets (rank 1681 of 1682).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
2.49%
Rank 29 of 1,683
Net Interest Margin
7.29%
Rank 11 of 1,683
Efficiency Ratio
29.24%
Rank 6 of 1,682
Equity / Assets
14.00%
Rank 672 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.49% | 0.35% | 0.74% | 1.18% | Beats 98% | 29 / 1,683 | |
| Return on Equity | 17.77% | 2.67% | 5.89% | 8.74% | Beats 99% | 23 / 1,681 | |
| Net Interest Margin | 7.29% | 3.31% | 3.82% | 4.32% | Beats 99% | 11 / 1,683 | |
| Efficiency Ratio | 29.24% | 68.91% | 78.20% | 86.93% | Beats 100% | 6 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 26.53% | 0.26% | 0.65% | 1.29% | Beats 0% | 1,681 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.00% | 10.44% | 12.89% | 16.53% | Beats 60% | 672 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.00% | 10.44% | 12.89% | 16.53% | Beats 60% | 672 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 86.95% | 52.61% | 69.38% | 83.50% | 81st pctl | 321 / 1,683 | |
| Loans / Assets | 72.42% | 44.71% | 59.18% | 70.72% | 78th pctl | 364 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |