First Credit Union of Gainesville
Gainesville, FL · Charter 67432 · Peer group: credit unions under $1B in assets (n=1,675-1,678)
NCUA · 2 branches
Q1 2025
$58.5MAssets
$39.1MLoans
$58.1MShares
$1.4MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 92% of credit unions under $1B in assets (rank 138 of 1677).
- Widest gap: equity / assets trails 100% of credit unions under $1B in assets (rank 1673 of 1677).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
-0.57%
Rank 1,544 of 1,678
Net Interest Margin
5.06%
Rank 138 of 1,677
Efficiency Ratio
92.13%
Rank 1,373 of 1,675
Equity / Assets
2.45%
Rank 1,673 of 1,677
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.57% | 0.24% | 0.67% | 1.21% | Beats 8% | 1,544 / 1,678 | | |
| Return on Equity | -23.43% | 1.96% | 5.37% | 8.99% | Beats 1% | 1,651 / 1,675 | | |
| Net Interest Margin | 5.06% | 3.12% | 3.67% | 4.25% | Beats 92% | 138 / 1,677 | | |
| Efficiency Ratio | 92.13% | 68.92% | 78.89% | 88.44% | Beats 18% | 1,373 / 1,675 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.27% | 0.21% | 0.58% | 1.19% | Beats 5% | 1,589 / 1,676 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 2.45% | 10.02% | 12.33% | 15.89% | Beats 0% | 1,674 / 1,678 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 2.45% | 10.02% | 12.33% | 15.89% | Beats 0% | 1,673 / 1,677 | | |
| Liquidity & Funding |
| Loans / Deposits | 67.22% | 54.28% | 70.33% | 83.29% | 44th pctl | 942 / 1,677 | | |
| Loans / Assets | 66.82% | 46.21% | 59.98% | 70.96% | 65th pctl | 581 / 1,677 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |