1st United
Pleasanton, CA · Charter 63958 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 8 branches
Q2 2026
$1.3BAssets
$811.6MLoans
$1.1BShares
$152.9MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 94% of credit unions $1B-$10B in assets (rank 29 of 435).
- Widest gap: efficiency ratio trails 73% of credit unions $1B-$10B in assets (rank 317 of 435).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.75%
Rank 249 of 435
Net Interest Margin
3.46%
Rank 190 of 435
Efficiency Ratio
77.16%
Rank 317 of 435
Equity / Assets
12.16%
Rank 135 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.75% | 0.55% | 0.81% | 1.14% | Beats 43% | 249 / 435 | | |
| Return on Equity | 6.15% | 5.12% | 7.41% | 9.70% | Beats 36% | 280 / 435 | | |
| Net Interest Margin | 3.46% | 3.01% | 3.39% | 3.75% | Beats 56% | 190 / 435 | | |
| Efficiency Ratio | 77.16% | 65.25% | 71.39% | 77.86% | Beats 27% | 317 / 435 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.25% | 0.45% | 0.69% | 1.05% | Beats 94% | 29 / 435 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.16% | 9.81% | 10.84% | 12.63% | Beats 69% | 135 / 435 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.16% | 9.81% | 10.84% | 12.63% | Beats 69% | 135 / 435 | | |
| Liquidity & Funding |
| Loans / Deposits | 73.60% | 78.33% | 88.38% | 95.61% | 18th pctl | 357 / 435 | | |
| Loans / Assets | 64.52% | 67.69% | 74.58% | 80.80% | 18th pctl | 355 / 435 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |