First Flight
Cary, NC · Charter 7870 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 6 branches
Q2 2026
$283.8MAssets
$168.9MLoans
$249.4MShares
$31.4MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 67% of credit unions under $1B in assets (rank 549 of 1683).
- Widest gap: equity / assets trails 68% of credit unions under $1B in assets (rank 1141 of 1683).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.75%
Rank 835 of 1,683
Net Interest Margin
4.16%
Rank 549 of 1,683
Efficiency Ratio
76.50%
Rank 751 of 1,682
Equity / Assets
11.06%
Rank 1,141 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.75% | 0.35% | 0.74% | 1.18% | Beats 50% | 835 / 1,683 | | |
| Return on Equity | 6.75% | 2.67% | 5.89% | 8.74% | Beats 58% | 702 / 1,681 | | |
| Net Interest Margin | 4.16% | 3.31% | 3.82% | 4.32% | Beats 67% | 549 / 1,683 | | |
| Efficiency Ratio | 76.50% | 68.91% | 78.20% | 86.93% | Beats 55% | 751 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.66% | 0.26% | 0.65% | 1.29% | Beats 49% | 851 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.06% | 10.44% | 12.89% | 16.53% | Beats 32% | 1,141 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.06% | 10.44% | 12.89% | 16.53% | Beats 32% | 1,141 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 67.71% | 52.61% | 69.38% | 83.50% | 47th pctl | 895 / 1,683 | | |
| Loans / Assets | 59.51% | 44.71% | 59.18% | 70.72% | 51st pctl | 830 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |