First U.S. Community
Sacramento, CA · Charter 68474 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 6 branches
Q2 2026
$547.9MAssets
$359.1MLoans
$481.9MShares
$65.5MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 57% of credit unions under $1B in assets in CA (rank 27 of 63).
- Widest gap: net interest margin trails 79% of credit unions under $1B in assets in CA (rank 50 of 63).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.32%
Rank 41 of 63
Net Interest Margin
3.12%
Rank 50 of 63
Efficiency Ratio
84.72%
Rank 41 of 63
Equity / Assets
11.95%
Rank 27 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.32% | 0.17% | 0.56% | 1.17% | Beats 35% | 41 / 63 | |
| Return on Equity | 2.69% | 1.81% | 4.79% | 8.64% | Beats 27% | 46 / 63 | |
| Net Interest Margin | 3.12% | 3.18% | 3.49% | 3.98% | Beats 21% | 50 / 63 | |
| Efficiency Ratio | 84.72% | 70.58% | 81.25% | 89.21% | Beats 37% | 41 / 63 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.92% | 0.17% | 0.42% | 0.85% | Beats 24% | 48 / 62 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.95% | 8.61% | 10.56% | 14.01% | Beats 57% | 27 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.95% | 8.61% | 10.56% | 14.01% | Beats 57% | 27 / 63 | |
| Liquidity & Funding |
| Loans / Deposits | 74.53% | 53.46% | 72.75% | 85.33% | 55th pctl | 28 / 62 | |
| Loans / Assets | 65.54% | 46.35% | 58.08% | 72.17% | 59th pctl | 26 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |