First
Chandler, AZ · Charter 68444 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 9 branches
Q2 2026
$811.6MAssets
$517.5MLoans
$689.0MShares
$73.9MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 57% of credit unions under $1B in assets (rank 724 of 1682).
- Widest gap: equity / assets trails 89% of credit unions under $1B in assets (rank 1495 of 1683).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.24%
Rank 1,353 of 1,683
Net Interest Margin
3.82%
Rank 845 of 1,683
Efficiency Ratio
77.53%
Rank 805 of 1,682
Equity / Assets
9.10%
Rank 1,495 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.24% | 0.35% | 0.74% | 1.18% | Beats 20% | 1,353 / 1,683 | | |
| Return on Equity | 2.68% | 2.67% | 5.89% | 8.74% | Beats 25% | 1,258 / 1,681 | | |
| Net Interest Margin | 3.82% | 3.31% | 3.82% | 4.32% | Beats 50% | 845 / 1,683 | | |
| Efficiency Ratio | 77.53% | 68.91% | 78.20% | 86.93% | Beats 52% | 805 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.53% | 0.26% | 0.65% | 1.29% | Beats 57% | 724 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.10% | 10.44% | 12.89% | 16.53% | Beats 11% | 1,495 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.10% | 10.44% | 12.89% | 16.53% | Beats 11% | 1,495 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 75.11% | 52.61% | 69.38% | 83.50% | 60th pctl | 672 / 1,683 | | |
| Loans / Assets | 63.76% | 44.71% | 59.18% | 70.72% | 60th pctl | 672 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |