FIRST COMMUNITY

Charter #68530 | OR

1B-3B (304 CUs) Mid-Market (380 CUs)
5 1B-3B in OR

FIRST COMMUNITY has 11 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 0.5% in tier
  • + Wallet Share Momentum: Top 3.2% in tier
  • + Emerging Performer: Top 16.6% in tier
  • + ROA 0.52% above tier average
  • + Net Interest Margin 0.12% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Total Delinquency Rate (60+ days): Top 0.7% in tier
  • + Net Charge-Off Rate: Top 3.6% in tier
  • + Share Certificate Concentration (%): Top 3.9% in tier
  • + Loan Growth Rate: Top 5.9% in tier
  • + AMR Growth Rate: Top 6.6% in tier

Key Concerns

Areas that may need attention

  • - Stagnation Risk: Bottom 4.6% in tier
  • - Liquidity Overhang: Bottom 16.8% in tier
  • - Membership Headwinds: Bottom 18.8% in tier
  • - Member decline: -2.4% YoY
  • - Members Per Employee (MPE): Bottom 3.0% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (OR) National Avg Tier Percentile
Members 86,689
-2.4% YoY+0.6% QoQ
 -12.0K 98,678
-1.9% YoY
 48,799
+9.4% YoY
 33,089
+6.1% YoY
 48th in tier
Assets $1.7B
+3.8% YoY+0.7% QoQ
 +$14.6M $1.7B
+0.5% YoY
 $801.2M
+7.5% YoY
 $547.7M
+7.8% YoY
 60th in tier
Loans $1.2B
+15.5% YoY-0.3% QoQ
 $-72.2M $1.2B
+0.5% YoY
 $546.0M
+10.9% YoY
 $388.7M
+8.6% YoY
 55th in tier
Deposits $1.5B
+2.8% YoY+0.4% QoQ
 +$56.3M $1.5B
+1.3% YoY
 $683.7M
+7.5% YoY
 $464.6M
+9.3% YoY
 60th in tier
ROA 1.2%
+55.8% YoY+1.9% QoQ
 +0.5% 0.7%
+13.4% YoY
 0.7%
+15.2% YoY
 0.7%
+273.4% YoY
 Top 11.5% in tier
NIM 3.4%
+13.5% YoY+2.2% QoQ
 +0.1% 3.3%
+9.3% YoY
 3.9%
+7.2% YoY
 3.7%
+5.0% YoY
 57th in tier
Efficiency Ratio 69.5%
-9.1% YoY-0.4% QoQ
 -4.5% 74.0%
-10.9% YoY
 76.2%
-3.6% YoY
 79.1%
-3.3% YoY
 31st in tier
Delinquency Rate 0.0%
-42.8% YoY-17.9% QoQ
 -0.8 0.8%
+6.1% YoY
 0.9%
-6.6% YoY
 1.2%
-0.9% YoY
 Bottom 0.7% in tier
Loan To Share 76.8%
+12.3% YoY-0.7% QoQ
 -8.4% 85.2%
-0.8% YoY
 76.2%
+0.8% YoY
 68.0%
-1.7% YoY
 25th in tier
AMR $30,817
+10.7% YoY-0.5% QoQ
 +$2K $29,172
+2.8% YoY
 $25,038
+0.5% YoY
 $19,418
+1.3% YoY
 67th in tier
CD Concentration 12.1%
+7.2% YoY-7.9% QoQ
 -16.9% 29.0%
+0.8% YoY
 16.6%
+1.3% YoY
 19.6%
+6.2% YoY
 Bottom 3.7% in tier
Indirect Auto % 0.0% -18.8% 18.8%
-2.8% YoY
 13.9%
-0.5% YoY
 7.9%
-2.9% YoY
 Bottom 0.0% in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#5 of 264 • Top 0.5% in tier

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

Why This Signature
AMR Growth (YoY): 10.68%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $5.8K
(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 | New qualifier

Wallet Share Momentum

growth
#24 of 264 • Top 3.2% in tier

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

Why This Signature
AMR Growth (YoY): 10.68%
(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

Emerging Performer

growth
#89 of 184 • Top 16.6% in tier

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

Why This Signature
Return on Assets: 1.23%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Member Growth (YoY): -2.44%
(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 (3)

Stagnation Risk

risk
#12 of 85 • Bottom 4.6% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 1.23%
(Tier: 0.71%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -2.44%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $30.8K
(Tier: $29.2K, National: $19.4K)
but better than tier avg
CD Concentration: 12.11%
(Tier: 28.98%, National: 19.60%)
but better than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | New qualifier

Liquidity Overhang

risk
#55 of 113 • Bottom 16.8% 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: 12.73%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 76.84%
(Tier: 86.35%, National: 67.96%)
worse than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 CUs YoY | New qualifier

Membership Headwinds

decline
#46 of 85 • Bottom 18.8% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -2.44%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 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 304 peers in tier

Top Strengths (8 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 18.32%
#1 of 304 Top 0.0% in 1B-3B tier
3
Total Delinquency Rate (60+ days)
risk
Value: 0.05%
Peer Avg: 0.83%
#3 of 304 Top 0.7% in 1B-3B tier
12
Net Charge-Off Rate
risk
Value: 0.07%
Peer Avg: 0.60%
#12 of 304 Top 3.6% in 1B-3B tier
13
Share Certificate Concentration (%)
balance_sheet
Value: 12.11%
Peer Avg: 28.53%
#13 of 304 Top 3.9% in 1B-3B tier
19
Loan Growth Rate
growth
Value: 15.48%
Peer Avg: 5.27%
#19 of 304 Top 5.9% in 1B-3B tier
21
AMR Growth Rate
growth
Value: 10.68%
Peer Avg: 3.29%
#21 of 304 Top 6.6% in 1B-3B tier
35
Return on Assets (ROA)
profitability
Value: 1.23%
Peer Avg: 0.70%
#35 of 304 Top 11.2% in 1B-3B tier
70
Net Worth Ratio
risk
Value: 12.73%
Peer Avg: 11.44%
#70 of 304 Top 22.7% in 1B-3B tier

Top Weaknesses (3 metrics)

296
Members Per Employee (MPE)
engagement
Value: 233.663
Peer Avg: 364.953
#296 of 304 Bottom 3.0% in 1B-3B tier
260
Member Growth Rate
growth
Value: -2.44%
Peer Avg: 2.20%
#260 of 304 Bottom 14.8% in 1B-3B tier
252
First Mortgage Concentration (%)
balance_sheet
Value: 47.09%
Peer Avg: 34.01%
#252 of 304 Bottom 17.4% in 1B-3B tier