First Community
Jamestown, ND · Charter 60103 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 27 branches
Q2 2026
$1.5BAssets
$1.1BLoans
$1.1BShares
$188.3MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 71% of credit unions $1B-$10B in assets (rank 125 of 435).
- Widest gap: net interest margin trails 65% of credit unions $1B-$10B in assets (rank 281 of 435).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.85%
Rank 203 of 435
Net Interest Margin
3.17%
Rank 281 of 435
Efficiency Ratio
74.94%
Rank 272 of 435
Equity / Assets
12.34%
Rank 125 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.85% | 0.55% | 0.81% | 1.14% | Beats 53% | 203 / 435 | |
| Return on Equity | 6.87% | 5.12% | 7.41% | 9.70% | Beats 44% | 244 / 435 | |
| Net Interest Margin | 3.17% | 3.01% | 3.39% | 3.75% | Beats 35% | 281 / 435 | |
| Efficiency Ratio | 74.94% | 65.25% | 71.39% | 77.86% | Beats 38% | 272 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.61% | 0.45% | 0.69% | 1.05% | Beats 57% | 187 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.34% | 9.81% | 10.84% | 12.63% | Beats 71% | 125 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.34% | 9.81% | 10.84% | 12.63% | Beats 71% | 125 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 100.18% | 78.33% | 88.38% | 95.61% | 86th pctl | 61 / 435 | |
| Loans / Assets | 74.39% | 67.69% | 74.58% | 80.80% | 49th pctl | 221 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |