First Community
Coquille, OR · Charter 68530 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 28 branches
Q2 2026
$1.9BAssets
$1.3BLoans
$1.6BShares
$237.6MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of credit unions $1B-$10B in assets (rank 1 of 435).
- Widest gap: net interest margin trails 49% of credit unions $1B-$10B in assets (rank 211 of 435).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
1.31%
Rank 69 of 435
Net Interest Margin
3.41%
Rank 211 of 435
Efficiency Ratio
68.12%
Rank 163 of 435
Equity / Assets
12.55%
Rank 113 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.31% | 0.55% | 0.81% | 1.14% | Beats 84% | 69 / 435 | |
| Return on Equity | 10.44% | 5.12% | 7.41% | 9.70% | Beats 80% | 86 / 435 | |
| Net Interest Margin | 3.41% | 3.01% | 3.39% | 3.75% | Beats 51% | 211 / 435 | |
| Efficiency Ratio | 68.12% | 65.25% | 71.39% | 77.86% | Beats 63% | 163 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.04% | 0.45% | 0.69% | 1.05% | Beats 100% | 1 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.55% | 9.81% | 10.84% | 12.63% | Beats 74% | 113 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.55% | 9.81% | 10.84% | 12.63% | Beats 74% | 113 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 80.96% | 78.33% | 88.38% | 95.61% | 31st pctl | 299 / 435 | |
| Loans / Assets | 68.97% | 67.69% | 74.58% | 80.80% | 29th pctl | 307 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |