First Coast Community
Palatka, FL · Charter 68524 · Peer group: credit unions under $1B in assets (n=1,637-1,639)
NCUA · 3 branches
Q3 2025
$149.7MAssets
$47.6MLoans
$129.2MShares
$19.8MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 70% of credit unions under $1B in assets (rank 497 of 1637).
- Widest gap: efficiency ratio trails 57% of credit unions under $1B in assets (rank 930 of 1637).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.83%
Rank 803 of 1,639
Net Interest Margin
3.77%
Rank 872 of 1,638
Efficiency Ratio
78.24%
Rank 930 of 1,637
Equity / Assets
13.23%
Rank 755 of 1,638
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.83% | 0.40% | 0.81% | 1.29% | Beats 51% | 803 / 1,639 | |
| Return on Equity | 6.25% | 3.02% | 6.34% | 9.49% | Beats 49% | 831 / 1,638 | |
| Net Interest Margin | 3.77% | 3.27% | 3.83% | 4.38% | Beats 47% | 872 / 1,638 | |
| Efficiency Ratio | 78.24% | 67.38% | 76.32% | 84.73% | Beats 43% | 930 / 1,637 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.35% | 0.27% | 0.68% | 1.33% | Beats 70% | 497 / 1,637 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.23% | 10.38% | 12.80% | 16.53% | Beats 54% | 755 / 1,639 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.23% | 10.39% | 12.80% | 16.53% | Beats 54% | 755 / 1,638 | |
| Liquidity & Funding |
| Loans / Deposits | 36.87% | 55.01% | 72.16% | 85.44% | 7th pctl | 1,517 / 1,638 | |
| Loans / Assets | 31.83% | 46.69% | 60.81% | 72.42% | 8th pctl | 1,508 / 1,638 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |