FIRST COMMUNITY

Charter #60103 | ND

1B-3B (304 CUs) Mid-Market (380 CUs)
1 1B-3B in ND

FIRST COMMUNITY has 7 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 4.0% in tier
  • + Wallet Share Momentum: Top 16.2% in tier
  • + Emerging Performer: Top 24.2% in tier
  • + Loan-to-Member Ratio (LMR): Top 2.6% in tier
  • + Net Charge-Off Rate: Top 3.9% in tier
  • + Average Member Relationship (AMR): Top 4.3% in tier
  • + First Mortgage Concentration (%): Top 6.6% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 3.3% in tier
  • - Efficiency Drag: Bottom 7.0% in tier
  • - Growth-at-Risk: Bottom 7.5% in tier
  • - Liquidity Strain: Bottom 25.2% in tier
  • - ROA 0.10% below tier average
  • - Efficiency ratio 6.56% above tier (higher cost structure)
  • - Delinquency rate 0.06% above tier average
  • - Members Per Employee (MPE): Bottom 0.7% in tier
  • - Total Members: Bottom 3.3% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Members 46,777
+0.1% YoY+0.2% QoQ
 -51.9K 98,678
-1.9% YoY
 7,412
-0.5% YoY
 33,089
+6.1% YoY
 Bottom 3.0% in tier
Assets $1.5B
+10.7% YoY+1.0% QoQ
 $-230.7M $1.7B
+0.5% YoY
 $201.0M
+5.9% YoY
 $547.7M
+7.8% YoY
 48th in tier
Loans $1.0B
+4.8% YoY+1.0% QoQ
 $-196.4M $1.2B
+0.5% YoY
 $137.9M
+2.5% YoY
 $388.7M
+8.6% YoY
 42nd in tier
Deposits $1.1B
+5.4% YoY-0.3% QoQ
 $-347.3M $1.5B
+1.3% YoY
 $165.9M
+4.4% YoY
 $464.6M
+9.3% YoY
 32nd in tier
ROA 0.6%
+1.8% YoY+3.2% QoQ
 -0.1% 0.7%
+13.4% YoY
 0.9%
-6.7% YoY
 0.7%
+273.4% YoY
 43rd in tier
NIM 2.8%
+5.8% YoY-2.1% QoQ
 -0.5% 3.3%
+9.3% YoY
 3.4%
+7.4% YoY
 3.7%
+5.0% YoY
 Bottom 19.1% in tier
Efficiency Ratio 80.5%
-3.4% YoY-1.5% QoQ
 +6.6% 74.0%
-10.9% YoY
 74.0%
-24.8% YoY
 79.1%
-3.3% YoY
 Top 23.7% in tier
Delinquency Rate 0.9%
+97.5% YoY+78.3% QoQ
 +0.1 0.8%
+6.1% YoY
 0.9%
-3.9% YoY
 1.2%
-0.9% YoY
 68th in tier
Loan To Share 93.6%
-0.6% YoY+1.3% QoQ
 +8.5% 85.2%
-0.8% YoY
 72.0%
-4.4% YoY
 68.0%
-1.7% YoY
 69th in tier
AMR $45,827
+4.9% YoY+0.1% QoQ
 +$17K $29,172
+2.8% YoY
 $32,427
+3.2% YoY
 $19,418
+1.3% YoY
 Top 4.6% in tier
CD Concentration 32.2%
-2.1% YoY-0.9% QoQ
 +3.2% 29.0%
+0.8% YoY
 22.4%
+2.4% YoY
 19.6%
+6.2% YoY
 66th in tier
Indirect Auto % 0.2%
-59.3% YoY-23.5% QoQ
 -18.6% 18.8%
-2.8% YoY
 1.1%
-2.9% YoY
 7.9%
-2.9% YoY
 Bottom 13.5% in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#30 of 264 • Top 4.0% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 4.92%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $6.7K
(Tier: $3.1K, National: $2.0K)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY

Wallet Share Momentum

growth
#118 of 264 • Top 16.2% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 4.92%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Emerging Performer

growth
#129 of 184 • Top 24.2% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.60%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 0.15%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank worsening

Concerns (4)

Credit Quality Pressure

risk
#26 of 217 • Bottom 3.3% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.44% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank improving

Efficiency Drag

risk
#24 of 96 • Bottom 7.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 80.53%
(Tier: 73.45%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.01% points
(Tier: 0.07% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 0.15%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
96 of 380 Mid-Market CUs have this signature | 624 nationally
↓ Shrinking -32 CUs YoY | Rank improving

Growth-at-Risk

risk
#43 of 161 • Bottom 7.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 4.77%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.44% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | Rank improving

Liquidity Strain

risk
#133 of 183 • Bottom 25.2% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 93.65%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 4.77%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank worsening

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 304 peers in tier

Top Strengths (6 metrics)

9
Loan-to-Member Ratio (LMR)
engagement
Value: $22,162
Peer Avg: $13,213
#9 of 304 Top 2.6% in 1B-3B tier
13
Net Charge-Off Rate
risk
Value: 0.07%
Peer Avg: 0.60%
#13 of 304 Top 3.9% in 1B-3B tier
14
Average Member Relationship (AMR)
engagement
Value: $45,827
Peer Avg: $29,172
#14 of 304 Top 4.3% in 1B-3B tier
21
First Mortgage Concentration (%)
balance_sheet
Value: 14.46%
Peer Avg: 34.01%
#21 of 304 Top 6.6% in 1B-3B tier
34
Asset Growth Rate
growth
Value: 10.68%
Peer Avg: 4.83%
#34 of 304 Top 10.9% in 1B-3B tier
47
Indirect Auto Concentration (%)
balance_sheet
Value: 0.19%
Peer Avg: 18.32%
#47 of 304 Top 15.1% in 1B-3B tier

Top Weaknesses (4 metrics)

303
Members Per Employee (MPE)
engagement
Value: 175.195
Peer Avg: 364.953
#303 of 304 Bottom 0.7% in 1B-3B tier
295
Total Members
engagement
Value: 46,777
Peer Avg: 98,678
#295 of 304 Bottom 3.3% in 1B-3B tier
246
Net Interest Margin (NIM)
profitability
Value: 2.77%
Peer Avg: 3.26%
#246 of 304 Bottom 19.4% in 1B-3B tier
233
Efficiency Ratio
profitability
Value: 80.53%
Peer Avg: 73.97%
#233 of 304 Bottom 23.7% in 1B-3B tier