FIRST COMMUNITY

Charter #67619 | MO

3B-5B (76 CUs) Mid-Market (380 CUs)
1 3B-5B in MO

FIRST COMMUNITY has 6 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 9.4% in tier
  • + Relationship Depth Leader: Top 20.4% in tier
  • + Organic Growth Engine: Top 30.1% in tier
  • + Total Deposits: Top 3.9% in tier
  • + Total Members: Top 5.3% in tier
  • + Total Assets: Top 6.6% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 2.8% in tier
  • - ROA 0.01% below tier average
  • - Loan-to-Member Ratio (LMR): Bottom 5.3% in tier
  • - Average Member Relationship (AMR): Bottom 9.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Members 408,271
+1.4% YoY-1.2% QoQ
 +169.8K 238,465
+0.6% YoY
 15,920
+4.0% YoY
 33,089
+6.1% YoY
 Top 6.6% in tier
Assets $4.8B
+6.9% YoY-1.1% QoQ
 +$806.2M $4.0B
-0.1% YoY
 $210.9M
+9.4% YoY
 $547.7M
+7.8% YoY
 Top 7.9% in tier
Loans $3.3B
+5.4% YoY+0.9% QoQ
 +$262.6M $3.0B
+3.3% YoY
 $147.8M
+9.0% YoY
 $388.7M
+8.6% YoY
 66th in tier
Deposits $4.2B
+10.9% YoY+0.9% QoQ
 +$902.4M $3.3B
+1.1% YoY
 $183.9M
+12.2% YoY
 $464.6M
+9.3% YoY
 Top 5.3% in tier
ROA 0.7%
+20.7% YoY+8.6% QoQ
 -0.0% 0.7%
+5.3% YoY
 0.6%
+117.2% YoY
 0.7%
+273.4% YoY
 45th in tier
NIM 2.6%
+11.7% YoY+2.5% QoQ
 -0.6% 3.2%
+13.7% YoY
 3.8%
+3.2% YoY
 3.7%
+5.0% YoY
 Bottom 15.8% in tier
Efficiency Ratio 68.6%
-3.4% YoY-1.7% QoQ
 -2.7% 71.3%
-0.6% YoY
 78.5%
-6.5% YoY
 79.1%
-3.3% YoY
 42nd in tier
Delinquency Rate 0.5%
-3.9% YoY-2.7% QoQ
 -0.4 0.8%
+15.9% YoY
 1.2%
+9.9% YoY
 1.2%
-0.9% YoY
 33rd in tier
Loan To Share 77.5%
-5.0% YoY-0.0% QoQ
 -13.4% 90.8%
+2.0% YoY
 72.3%
-3.7% YoY
 68.0%
-1.7% YoY
 Bottom 13.2% in tier
AMR $18,412
+7.0% YoY+2.1% QoQ
 $-11K $29,088
+0.1% YoY
 $16,810
+3.4% YoY
 $19,418
+1.3% YoY
 Bottom 7.9% in tier
CD Concentration 21.6%
+3.4% YoY+0.4% QoQ
 -7.4% 29.0%
+0.8% YoY
 18.1%
+9.5% YoY
 19.6%
+6.2% YoY
 Bottom 17.9% in tier
Indirect Auto % 43.4%
-4.3% YoY-1.8% QoQ
 +24.6% 18.8%
-2.8% YoY
 10.3%
-9.1% YoY
 7.9%
-2.9% YoY
 Top 8.7% in tier

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth
#69 of 264 • Top 9.4% in tier

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

Why This Signature
AMR Growth (YoY): 6.95%
(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 improving

Relationship Depth Leader

growth
#148 of 264 • Top 20.4% in tier

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

Why This Signature
AMR Growth (YoY): 6.95%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.2K
(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 | Rank worsening

Organic Growth Engine

growth
#219 of 246 • Top 30.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.39%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
Return on Assets: 0.74%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 43.45%
(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 worsening

Concerns (1)

Indirect Auto Dependency

risk
#18 of 202 • Bottom 2.8% in tier

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

Why This Signature
Asset Growth (YoY): 6.91%
(Tier: 5.36%, National: 3.04%)
but better than tier avg
Indirect Auto %: 43.45%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 1.39%
(Tier: 3.18%, National: 9.37%)
worse 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 76 peers in tier

Top Strengths (7 metrics)

4
Total Deposits
balance_sheet
Value: $4.24B
Peer Avg: $3.33B
#4 of 76 Top 3.9% in 3B-5B tier
5
Total Members
engagement
Value: 408,271
Peer Avg: 238,466
#5 of 76 Top 5.3% in 3B-5B tier
6
Total Assets
balance_sheet
Value: $4.78B
Peer Avg: $3.97B
#6 of 76 Top 6.6% in 3B-5B tier
10
Share Certificate Concentration (%)
balance_sheet
Value: 21.62%
Peer Avg: 30.70%
#10 of 76 Top 11.8% in 3B-5B tier
10
Members Per Employee (MPE)
engagement
Value: 575.030
Peer Avg: 433.941
#10 of 76 Top 11.8% in 3B-5B tier
13
Deposit Growth Rate
growth
Value: 10.90%
Peer Avg: 8.84%
#13 of 76 Top 15.8% in 3B-5B tier
13
AMR Growth Rate
growth
Value: 6.95%
Peer Avg: 2.07%
#13 of 76 Top 15.8% in 3B-5B tier

Top Weaknesses (7 metrics)

73
Loan-to-Member Ratio (LMR)
engagement
Value: $8,038
Peer Avg: $13,761
#73 of 76 Bottom 5.3% in 3B-5B tier
70
Average Member Relationship (AMR)
engagement
Value: $18,412
Peer Avg: $29,088
#70 of 76 Bottom 9.2% in 3B-5B tier
69
Net Worth Ratio
risk
Value: 8.36%
Peer Avg: 10.75%
#69 of 76 Bottom 10.5% in 3B-5B tier
68
Indirect Auto Concentration (%)
balance_sheet
Value: 43.45%
Peer Avg: 20.57%
#68 of 76 Bottom 11.8% in 3B-5B tier
66
Loan-to-Share Ratio
balance_sheet
Value: 77.48%
Peer Avg: 90.85%
#66 of 76 Bottom 14.5% in 3B-5B tier
64
Net Interest Margin (NIM)
profitability
Value: 2.56%
Peer Avg: 3.20%
#64 of 76 Bottom 17.1% in 3B-5B tier
62
Fee Income Per Member
profitability
Value: $128.87
Peer Avg: $191.96
#62 of 76 Bottom 19.7% in 3B-5B tier