FIRST COMMUNITY

Charter #66818 | TX

1B-3B (304 CUs) Mid-Market (380 CUs)
26 1B-3B in TX

FIRST COMMUNITY has 11 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 13.7% in tier
  • + Wallet Share Momentum: Top 14.8% in tier
  • + Relationship Depth Leader: Top 22.4% in tier
  • + ROA 0.00% above tier average
  • + Strong member growth: 6.6% YoY
  • + Loan-to-Share Ratio: Top 1.3% in tier
  • + Total Loans: Top 1.6% in tier
  • + Asset Growth Rate: Top 2.0% in tier
  • + Loan Growth Rate: Top 3.0% in tier
  • + Total Assets: Top 3.0% in tier
  • + Total Members: Top 4.9% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 0.0% in tier
  • - Indirect Auto Dependency: Bottom 6.7% in tier
  • - Efficiency ratio 1.82% above tier (higher cost structure)
  • - Net Worth Ratio: Bottom 3.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 176,970
+6.6% YoY+3.3% QoQ
 +78.3K 98,678
-1.9% YoY
 26,896
+3.7% YoY
 33,089
+6.1% YoY
 Top 5.3% in tier
Assets $2.9B
+18.7% YoY+7.9% QoQ
 +$1.2B $1.7B
+0.5% YoY
 $411.3M
+5.9% YoY
 $547.7M
+7.8% YoY
 Top 3.3% in tier
Loans $2.3B
+22.3% YoY+10.3% QoQ
 +$1.0B $1.2B
+0.5% YoY
 $295.8M
+5.3% YoY
 $388.7M
+8.6% YoY
 Top 2.0% in tier
Deposits $2.0B
+3.2% YoY+0.8% QoQ
 +$570.7M $1.5B
+1.3% YoY
 $341.5M
+6.1% YoY
 $464.6M
+9.3% YoY
 Top 17.4% in tier
ROA 0.7%
+37.5% YoY-13.7% QoQ
 +0.0% 0.7%
+13.4% YoY
 0.5%
-24.0% YoY
 0.7%
+273.4% YoY
 54th in tier
NIM 2.9%
+17.9% YoY+0.9% QoQ
 -0.3% 3.3%
+9.3% YoY
 3.9%
+4.3% YoY
 3.7%
+5.0% YoY
 Bottom 25.0% in tier
Efficiency Ratio 75.8%
-3.9% YoY-1.6% QoQ
 +1.8% 74.0%
-10.9% YoY
 79.6%
-0.9% YoY
 79.1%
-3.3% YoY
 57th in tier
Delinquency Rate 0.6%
-18.3% YoY-3.6% QoQ
 -0.2 0.8%
+6.1% YoY
 1.2%
+20.3% YoY
 1.2%
-0.9% YoY
 38th in tier
Loan To Share 111.4%
+18.6% YoY+9.4% QoQ
 +26.2% 85.2%
-0.8% YoY
 71.8%
-2.5% YoY
 68.0%
-1.7% YoY
 Top 1.6% in tier
AMR $24,192
+5.4% YoY+2.2% QoQ
 $-5K $29,172
+2.8% YoY
 $17,515
+1.3% YoY
 $19,418
+1.3% YoY
 31st in tier
CD Concentration 30.3%
+9.1% YoY+1.8% QoQ
 +1.4% 29.0%
+0.8% YoY
 20.9%
+7.1% YoY
 19.6%
+6.2% YoY
 58th in tier
Indirect Auto % 29.8%
+35.7% YoY+23.2% QoQ
 +11.1% 18.8%
-2.8% YoY
 7.2%
-0.2% YoY
 7.9%
-2.9% YoY
 75th in tier

Signature Analysis

Strengths (3)

Organic Growth Engine

growth
#100 of 246 • Top 13.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 6.63%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 0.71%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 29.85%
(Tier: 18.80%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank improving

Wallet Share Momentum

growth
#108 of 264 • Top 14.8% in tier

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

Why This Signature
AMR Growth (YoY): 5.45%
(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 | New qualifier

Relationship Depth Leader

growth
#163 of 264 • Top 22.4% in tier

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

Why This Signature
AMR Growth (YoY): 5.45%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.5K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Concerns (2)

Liquidity Strain

risk
#1 of 183 • Bottom 0.0% in tier

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

Why This Signature
Loan-to-Share Ratio: 111.42%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 22.32%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#42 of 202 • Bottom 6.7% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 18.73%
(Tier: 5.36%, National: 3.04%)
but better than tier avg
Indirect Auto %: 29.85%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 6.63%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank improving

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 (9 metrics)

5
Loan-to-Share Ratio
balance_sheet
Value: 111.42%
Peer Avg: 85.19%
#5 of 304 Top 1.3% in 1B-3B tier
6
Total Loans
balance_sheet
Value: $2.26B
Peer Avg: $1.23B
#6 of 304 Top 1.6% in 1B-3B tier
7
Asset Growth Rate
growth
Value: 18.73%
Peer Avg: 4.83%
#7 of 304 Top 2.0% in 1B-3B tier
10
Loan Growth Rate
growth
Value: 22.32%
Peer Avg: 5.27%
#10 of 304 Top 3.0% in 1B-3B tier
10
Total Assets
balance_sheet
Value: $2.87B
Peer Avg: $1.72B
#10 of 304 Top 3.0% in 1B-3B tier
16
Total Members
engagement
Value: 176,970
Peer Avg: 98,678
#16 of 304 Top 4.9% in 1B-3B tier
40
Member Growth Rate
growth
Value: 6.63%
Peer Avg: 2.20%
#40 of 304 Top 12.8% in 1B-3B tier
53
Total Deposits
balance_sheet
Value: $2.03B
Peer Avg: $1.45B
#53 of 304 Top 17.1% in 1B-3B tier
66
Members Per Employee (MPE)
engagement
Value: 420.356
Peer Avg: 364.953
#66 of 304 Top 21.4% in 1B-3B tier

Top Weaknesses (2 metrics)

294
Net Worth Ratio
risk
Value: 8.05%
Peer Avg: 11.44%
#294 of 304 Bottom 3.6% in 1B-3B tier
232
Indirect Auto Concentration (%)
balance_sheet
Value: 29.85%
Peer Avg: 18.32%
#232 of 304 Bottom 24.0% in 1B-3B tier