First Community
Chesterfield, MO · Charter 67619 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 42 branches
Q2 2026
$5.0BAssets
$3.3BLoans
$4.5BShares
$434.1MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 84% of credit unions $1B-$10B in assets (rank 69 of 435).
- Widest gap: equity / assets trails 93% of credit unions $1B-$10B in assets (rank 405 of 435).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.95%
Rank 160 of 435
Net Interest Margin
2.69%
Rank 379 of 435
Efficiency Ratio
65.88%
Rank 116 of 435
Equity / Assets
8.62%
Rank 405 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.95% | 0.55% | 0.81% | 1.14% | Beats 63% | 160 / 435 | |
| Return on Equity | 10.98% | 5.12% | 7.41% | 9.70% | Beats 84% | 69 / 435 | |
| Net Interest Margin | 2.69% | 3.01% | 3.39% | 3.75% | Beats 13% | 379 / 435 | |
| Efficiency Ratio | 65.88% | 65.25% | 71.39% | 77.86% | Beats 74% | 116 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.54% | 0.45% | 0.69% | 1.05% | Beats 67% | 146 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.62% | 9.81% | 10.84% | 12.63% | Beats 7% | 405 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.62% | 9.81% | 10.84% | 12.63% | Beats 7% | 405 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 74.18% | 78.33% | 88.38% | 95.61% | 18th pctl | 355 / 435 | |
| Loans / Assets | 66.15% | 67.69% | 74.58% | 80.80% | 21st pctl | 343 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |