FIRST CITY

Charter #68503 | CA

750M-1B (112 CUs) Community (281 CUs)
15 750M-1B in CA

FIRST CITY has 5 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 18.2% in tier
  • + Relationship Depth Leader: Top 20.0% in tier
  • + Wallet Share Momentum: Top 27.2% in tier
  • + Organic Growth Engine: Top 27.7% in tier
  • + Members Per Employee (MPE): Top 8.0% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 10.7% in tier
  • - Efficiency Drag: Bottom 22.6% in tier
  • - ROA 0.37% below tier average
  • - Efficiency ratio 6.90% above tier (higher cost structure)
  • - Loan-to-Member Ratio (LMR): Bottom 6.2% in tier
  • - Loan-to-Share Ratio: Bottom 8.0% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 57,028
+2.2% YoY+0.6% QoQ
 +4.9K 52,114
-2.1% YoY
 59,606
+5.7% YoY
 33,089
+6.1% YoY
 62nd in tier
Assets $927.6M
+2.1% YoY-0.4% QoQ
 +$68.5M $859.0M
+0.0% YoY
 $1.2B
+6.2% YoY
 $547.7M
+7.8% YoY
 Top 18.8% in tier
Loans $441.1M
+11.5% YoY+5.8% QoQ
 $-162.2M $603.4M
+1.0% YoY
 $845.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 Bottom 9.8% in tier
Deposits $797.5M
+1.6% YoY-1.4% QoQ
 +$63.3M $734.2M
+0.9% YoY
 $1.0B
+8.8% YoY
 $464.6M
+9.3% YoY
 Top 22.3% in tier
ROA 0.3%
-36.1% YoY-13.2% QoQ
 -0.4% 0.7%
+27.6% YoY
 0.6%
+30.0% YoY
 0.7%
+273.4% YoY
 Bottom 22.3% in tier
NIM 3.1%
+5.9% YoY+2.4% QoQ
 -0.3% 3.4%
+9.6% YoY
 3.3%
+6.5% YoY
 3.7%
+5.0% YoY
 30th in tier
Efficiency Ratio 81.4%
+6.9% YoY-0.0% QoQ
 +6.9% 74.5%
-3.2% YoY
 79.3%
-6.2% YoY
 79.1%
-3.3% YoY
 74th in tier
Delinquency Rate 0.3%
-54.7% YoY-47.6% QoQ
 -0.5 0.8%
+5.0% YoY
 0.7%
-38.7% YoY
 1.2%
-0.9% YoY
 Bottom 13.4% in tier
Loan To Share 55.3%
+9.8% YoY+7.4% QoQ
 -27.3% 82.7%
+0.1% YoY
 68.8%
-1.5% YoY
 68.0%
-1.7% YoY
 Bottom 7.1% in tier
AMR $21,719
+2.7% YoY+0.4% QoQ
 $-7K $28,651
+2.5% YoY
 $28,514
+2.8% YoY
 $19,418
+1.3% YoY
 29th in tier
CD Concentration 17.2%
-8.8% YoY-3.0% QoQ
 -7.2% 24.4%
+4.2% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 Bottom 24.7% in tier
Indirect Auto % 7.6%
-16.2% YoY-13.1% QoQ
 -6.4% 14.0%
-5.8% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 49th in tier

Signature Analysis

Strengths (4)

Organic Growth Leader

growth
#240 of 430 • Top 18.2% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 2.15%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 281 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | New qualifier

Relationship Depth Leader

growth
#552 of 1006 • Top 20.0% in tier

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

Why This Signature
AMR Growth (YoY): 2.73%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $3.1K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#750 of 1006 • Top 27.2% in tier

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

Why This Signature
AMR Growth (YoY): 2.73%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Organic Growth Engine

growth
#509 of 603 • Top 27.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.15%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.34%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 7.58%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Concerns (2)

Liquidity Overhang

risk
#166 of 552 • Bottom 10.7% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 13.53%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 55.32%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 281 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

Efficiency Drag

risk
#400 of 521 • Bottom 22.6% in tier

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

Why This Signature
Efficiency Ratio: 81.42%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.19% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 2.15%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
521 of 281 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | New qualifier

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 112 peers in tier

Top Strengths (7 metrics)

10
Members Per Employee (MPE)
engagement
Value: 513.766
Peer Avg: 361.634
#10 of 112 Top 8.0% in 750M-1B tier
14
Share Certificate Concentration (%)
balance_sheet
Value: 17.21%
Peer Avg: 28.34%
#14 of 112 Top 11.6% in 750M-1B tier
16
Total Delinquency Rate (60+ days)
risk
Value: 0.32%
Peer Avg: 0.82%
#16 of 112 Top 13.4% in 750M-1B tier
21
Loan Growth Rate
growth
Value: 11.54%
Peer Avg: 4.84%
#21 of 112 Top 17.9% in 750M-1B tier
21
Net Worth Ratio
risk
Value: 13.53%
Peer Avg: 11.52%
#21 of 112 Top 17.9% in 750M-1B tier
21
Total Assets
balance_sheet
Value: $927.56M
Peer Avg: $859.01M
#21 of 112 Top 17.9% in 750M-1B tier
25
Total Deposits
balance_sheet
Value: $797.47M
Peer Avg: $734.17M
#25 of 112 Top 21.4% in 750M-1B tier

Top Weaknesses (6 metrics)

106
Loan-to-Member Ratio (LMR)
engagement
Value: $7,735
Peer Avg: $12,810
#106 of 112 Bottom 6.2% in 750M-1B tier
104
Loan-to-Share Ratio
balance_sheet
Value: 55.32%
Peer Avg: 82.66%
#104 of 112 Bottom 8.0% in 750M-1B tier
101
Total Loans
balance_sheet
Value: $441.13M
Peer Avg: $603.36M
#101 of 112 Bottom 10.7% in 750M-1B tier
93
Fee Income Per Member
profitability
Value: $140.64
Peer Avg: $204.75
#93 of 112 Bottom 17.9% in 750M-1B tier
88
Deposit Growth Rate
growth
Value: 1.63%
Peer Avg: 5.03%
#88 of 112 Bottom 22.3% in 750M-1B tier
87
Return on Assets (ROA)
profitability
Value: 0.34%
Peer Avg: 0.71%
#87 of 112 Bottom 23.2% in 750M-1B tier