First Pace
West St Paul, MN · Charter 64089 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$8.7MAssets
$5.4MLoans
$7.0MShares
$1.6MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 84% of credit unions under $1B in assets (rank 276 of 1683).
- Widest gap: efficiency ratio trails 97% of credit unions under $1B in assets (rank 1633 of 1682).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
-0.83%
Rank 1,602 of 1,683
Net Interest Margin
4.45%
Rank 349 of 1,683
Efficiency Ratio
116.59%
Rank 1,633 of 1,682
Equity / Assets
18.92%
Rank 276 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.83% | 0.35% | 0.74% | 1.18% | Beats 5% | 1,602 / 1,683 | | |
| Return on Equity | -4.39% | 2.67% | 5.89% | 8.74% | Beats 6% | 1,587 / 1,681 | | |
| Net Interest Margin | 4.45% | 3.31% | 3.82% | 4.32% | Beats 79% | 349 / 1,683 | | |
| Efficiency Ratio | 116.59% | 68.91% | 78.20% | 86.93% | Beats 3% | 1,633 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.26% | 0.26% | 0.65% | 1.29% | Beats 75% | 420 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 18.92% | 10.44% | 12.89% | 16.53% | Beats 84% | 276 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 18.92% | 10.44% | 12.89% | 16.53% | Beats 84% | 276 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 76.62% | 52.61% | 69.38% | 83.50% | 63rd pctl | 624 / 1,683 | | |
| Loans / Assets | 62.08% | 44.71% | 59.18% | 70.72% | 57th pctl | 727 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |