1st Community
Sparta, WI · Charter 67012 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
$287.6MAssets
$215.2MLoans
$254.8MShares
$29.2MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 94% of credit unions under $1B in assets (rank 95 of 1681).
- Widest gap: equity / assets trails 78% of credit unions under $1B in assets (rank 1309 of 1683).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
1.31%
Rank 344 of 1,683
Net Interest Margin
3.79%
Rank 862 of 1,683
Efficiency Ratio
70.04%
Rank 456 of 1,682
Equity / Assets
10.17%
Rank 1,309 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.31% | 0.35% | 0.74% | 1.18% | Beats 80% | 344 / 1,683 | | |
| Return on Equity | 12.85% | 2.67% | 5.89% | 8.74% | Beats 94% | 95 / 1,681 | | |
| Net Interest Margin | 3.79% | 3.31% | 3.82% | 4.32% | Beats 49% | 862 / 1,683 | | |
| Efficiency Ratio | 70.04% | 68.91% | 78.20% | 86.93% | Beats 73% | 456 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.83% | 0.26% | 0.65% | 1.29% | Beats 42% | 981 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.17% | 10.44% | 12.89% | 16.53% | Beats 22% | 1,309 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.17% | 10.44% | 12.89% | 16.53% | Beats 22% | 1,309 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 84.43% | 52.61% | 69.38% | 83.50% | 77th pctl | 391 / 1,683 | | |
| Loans / Assets | 74.82% | 44.71% | 59.18% | 70.72% | 83rd pctl | 294 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |