1st Community
San Angelo, TX · Charter 8715 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 11 branches
Q2 2026
$421.8MAssets
$277.0MLoans
$361.9MShares
$57.5MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 79% of credit unions under $1B in assets in TX (rank 50 of 235).
- Widest gap: nonperforming loans / loans trails 94% of credit unions under $1B in assets in TX (rank 222 of 235).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
1.14%
Rank 56 of 235
Net Interest Margin
3.92%
Rank 112 of 235
Efficiency Ratio
78.09%
Rank 97 of 235
Equity / Assets
13.63%
Rank 130 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.14% | 0.17% | 0.57% | 1.10% | Beats 76% | 56 / 235 | | |
| Return on Equity | 8.40% | 1.03% | 4.30% | 7.58% | Beats 79% | 50 / 235 | | |
| Net Interest Margin | 3.92% | 3.32% | 3.89% | 4.35% | Beats 52% | 112 / 235 | | |
| Efficiency Ratio | 78.09% | 70.60% | 82.00% | 91.57% | Beats 59% | 97 / 235 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.73% | 0.20% | 0.59% | 1.14% | Beats 6% | 222 / 235 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.63% | 11.30% | 14.41% | 19.49% | Beats 45% | 130 / 235 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.63% | 11.30% | 14.41% | 19.49% | Beats 45% | 130 / 235 | | |
| Liquidity & Funding |
| Loans / Deposits | 76.54% | 54.18% | 67.38% | 81.66% | 68th pctl | 75 / 235 | | |
| Loans / Assets | 65.68% | 43.80% | 56.63% | 68.64% | 71st pctl | 69 / 235 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |