Community First
Santa Rosa, CA · Charter 61667 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 13 branches
Q2 2026
$921.0MAssets
$668.9MLoans
$813.4MShares
$94.4MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 89% of credit unions under $1B in assets (rank 185 of 1681).
- Widest gap: equity / assets trails 77% of credit unions under $1B in assets (rank 1297 of 1683).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
1.15%
Rank 444 of 1,683
Net Interest Margin
3.97%
Rank 690 of 1,683
Efficiency Ratio
74.43%
Rank 655 of 1,682
Equity / Assets
10.25%
Rank 1,297 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.15% | 0.35% | 0.74% | 1.18% | Beats 74% | 444 / 1,683 | | |
| Return on Equity | 11.26% | 2.67% | 5.89% | 8.74% | Beats 89% | 185 / 1,681 | | |
| Net Interest Margin | 3.97% | 3.31% | 3.82% | 4.32% | Beats 59% | 690 / 1,683 | | |
| Efficiency Ratio | 74.43% | 68.91% | 78.20% | 86.93% | Beats 61% | 655 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.22% | 0.26% | 0.65% | 1.29% | Beats 27% | 1,237 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.25% | 10.44% | 12.89% | 16.53% | Beats 23% | 1,297 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.25% | 10.44% | 12.89% | 16.53% | Beats 23% | 1,297 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 82.23% | 52.61% | 69.38% | 83.50% | 73rd pctl | 446 / 1,683 | | |
| Loans / Assets | 72.63% | 44.71% | 59.18% | 70.72% | 79th pctl | 350 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |