First Class Community
West Des Moines, IA · Charter 64231 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$95.8MAssets
$36.2MLoans
$85.7MShares
$10.3MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 89% of credit unions under $1B in assets (rank 183 of 1681).
- Widest gap: equity / assets trails 71% of credit unions under $1B in assets (rank 1197 of 1683).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.22%
Rank 388 of 1,683
Net Interest Margin
3.88%
Rank 780 of 1,683
Efficiency Ratio
73.43%
Rank 613 of 1,682
Equity / Assets
10.79%
Rank 1,197 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.22% | 0.35% | 0.74% | 1.18% | Beats 77% | 388 / 1,683 | |
| Return on Equity | 11.30% | 2.67% | 5.89% | 8.74% | Beats 89% | 183 / 1,681 | |
| Net Interest Margin | 3.88% | 3.31% | 3.82% | 4.32% | Beats 54% | 780 / 1,683 | |
| Efficiency Ratio | 73.43% | 68.91% | 78.20% | 86.93% | Beats 64% | 613 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.38% | 0.26% | 0.65% | 1.29% | Beats 68% | 546 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.79% | 10.44% | 12.89% | 16.53% | Beats 29% | 1,197 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.79% | 10.44% | 12.89% | 16.53% | Beats 29% | 1,197 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 42.23% | 52.61% | 69.38% | 83.50% | 13th pctl | 1,459 / 1,683 | |
| Loans / Assets | 37.79% | 44.71% | 59.18% | 70.72% | 16th pctl | 1,413 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |