First Service
Houston, TX · Charter 68605 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 14 branches
Q2 2026
$1.5BAssets
$1.2BLoans
$1.3BShares
$163.8MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 78% of credit unions $1B-$10B in assets (rank 97 of 435).
- Widest gap: efficiency ratio trails 82% of credit unions $1B-$10B in assets (rank 357 of 435).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.49%
Rank 348 of 435
Net Interest Margin
3.78%
Rank 97 of 435
Efficiency Ratio
79.53%
Rank 357 of 435
Equity / Assets
10.94%
Rank 208 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.49% | 0.55% | 0.81% | 1.14% | Beats 20% | 348 / 435 | |
| Return on Equity | 4.44% | 5.12% | 7.41% | 9.70% | Beats 20% | 348 / 435 | |
| Net Interest Margin | 3.78% | 3.01% | 3.39% | 3.75% | Beats 78% | 97 / 435 | |
| Efficiency Ratio | 79.53% | 65.25% | 71.39% | 77.86% | Beats 18% | 357 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.62% | 0.45% | 0.69% | 1.05% | Beats 56% | 193 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.94% | 9.81% | 10.84% | 12.63% | Beats 52% | 208 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.94% | 9.81% | 10.84% | 12.63% | Beats 52% | 208 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 93.23% | 78.33% | 88.38% | 95.61% | 66th pctl | 146 / 435 | |
| Loans / Assets | 79.28% | 67.69% | 74.58% | 80.80% | 67th pctl | 144 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |