First Financial
Albuquerque, NM · Charter 68244 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 21 branches
Q2 2026
$1.1BAssets
$751.4MLoans
$1.0BShares
$90.2MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 86% of credit unions $1B-$10B in assets (rank 61 of 435).
- Widest gap: equity / assets trails 97% of credit unions $1B-$10B in assets (rank 421 of 435).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.29%
Rank 392 of 435
Net Interest Margin
3.97%
Rank 61 of 435
Efficiency Ratio
85.54%
Rank 408 of 435
Equity / Assets
8.01%
Rank 421 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.29% | 0.55% | 0.81% | 1.14% | Beats 10% | 392 / 435 | | |
| Return on Equity | 3.65% | 5.12% | 7.41% | 9.70% | Beats 15% | 369 / 435 | | |
| Net Interest Margin | 3.97% | 3.01% | 3.39% | 3.75% | Beats 86% | 61 / 435 | | |
| Efficiency Ratio | 85.54% | 65.25% | 71.39% | 77.86% | Beats 6% | 408 / 435 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.40% | 0.45% | 0.69% | 1.05% | Beats 13% | 381 / 435 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.01% | 9.81% | 10.84% | 12.63% | Beats 3% | 421 / 435 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.01% | 9.81% | 10.84% | 12.63% | Beats 3% | 421 / 435 | | |
| Liquidity & Funding |
| Loans / Deposits | 73.78% | 78.33% | 88.38% | 95.61% | 18th pctl | 356 / 435 | | |
| Loans / Assets | 66.70% | 67.69% | 74.58% | 80.80% | 22nd pctl | 339 / 435 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |