City of Firsts Community
Kokomo, IN · Charter 3012 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$38.5MAssets
$11.2MLoans
$34.7MShares
$3.9MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 87% of credit unions under $1B in assets (rank 214 of 1682).
- Widest gap: efficiency ratio trails 90% of credit unions under $1B in assets (rank 1522 of 1682).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.24%
Rank 1,354 of 1,683
Net Interest Margin
3.94%
Rank 725 of 1,683
Efficiency Ratio
95.99%
Rank 1,522 of 1,682
Equity / Assets
10.23%
Rank 1,299 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.24% | 0.35% | 0.74% | 1.18% | Beats 20% | 1,354 / 1,683 | | |
| Return on Equity | 2.38% | 2.67% | 5.89% | 8.74% | Beats 23% | 1,301 / 1,681 | | |
| Net Interest Margin | 3.94% | 3.31% | 3.82% | 4.32% | Beats 57% | 725 / 1,683 | | |
| Efficiency Ratio | 95.99% | 68.91% | 78.20% | 86.93% | Beats 10% | 1,522 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.08% | 0.26% | 0.65% | 1.29% | Beats 87% | 214 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.23% | 10.44% | 12.89% | 16.53% | Beats 23% | 1,299 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.23% | 10.44% | 12.89% | 16.53% | Beats 23% | 1,299 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 32.39% | 52.61% | 69.38% | 83.50% | 6th pctl | 1,578 / 1,683 | | |
| Loans / Assets | 29.15% | 44.71% | 59.18% | 70.72% | 7th pctl | 1,564 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |