First Community
Houston, TX · Charter 66818 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 18 branches
Q2 2026
$3.1BAssets
$2.4BLoans
$2.0BShares
$245.4MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 83% of credit unions $1B-$10B in assets (rank 75 of 435).
- Widest gap: equity / assets trails 97% of credit unions $1B-$10B in assets (rank 423 of 435).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.85%
Rank 202 of 435
Net Interest Margin
3.19%
Rank 277 of 435
Efficiency Ratio
72.58%
Rank 236 of 435
Equity / Assets
7.98%
Rank 423 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 54% | 202 / 435 | |
| Return on Equity | 10.63% | 5.12% | 7.41% | 9.70% | Beats 83% | 75 / 435 | |
| Net Interest Margin | 3.19% | 3.01% | 3.39% | 3.75% | Beats 36% | 277 / 435 | |
| Efficiency Ratio | 72.58% | 65.25% | 71.39% | 77.86% | Beats 46% | 236 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.39% | 0.45% | 0.69% | 1.05% | Beats 81% | 86 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 7.98% | 9.81% | 10.84% | 12.63% | Beats 3% | 423 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 7.98% | 9.81% | 10.84% | 12.63% | Beats 3% | 423 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 118.40% | 78.33% | 88.38% | 95.61% | 99th pctl | 4 / 435 | |
| Loans / Assets | 78.02% | 67.69% | 74.58% | 80.80% | 62nd pctl | 167 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |