FIRST SERVICE

Charter #68605 | TX

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

FIRST SERVICE has 5 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 10.5% in tier
  • + Emerging Performer: Top 14.9% in tier
  • + Organic Growth Engine: Top 19.5% in tier
  • + Net Interest Margin 0.44% above tier average
  • + Strong member growth: 5.4% YoY

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 26.1% in tier
  • - Liquidity Strain: Bottom 29.2% in tier
  • - ROA 0.29% below tier average
  • - Efficiency ratio 7.42% above tier (higher cost structure)

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 104,821
+5.4% YoY+1.8% QoQ
 +6.1K 98,678
-1.9% YoY
 26,896
+3.7% YoY
 33,089
+6.1% YoY
 62nd in tier
Assets $1.4B
+5.3% YoY+0.6% QoQ
 $-289.7M $1.7B
+0.5% YoY
 $411.3M
+5.9% YoY
 $547.7M
+7.8% YoY
 41st in tier
Loans $1.1B
+7.8% YoY+1.5% QoQ
 $-120.3M $1.2B
+0.5% YoY
 $295.8M
+5.3% YoY
 $388.7M
+8.6% YoY
 50th in tier
Deposits $1.2B
+3.9% YoY+0.0% QoQ
 $-221.0M $1.5B
+1.3% YoY
 $341.5M
+6.1% YoY
 $464.6M
+9.3% YoY
 44th in tier
ROA 0.4%
+128.2% YoY+5.1% QoQ
 -0.3% 0.7%
+13.4% YoY
 0.5%
-24.0% YoY
 0.7%
+273.4% YoY
 Bottom 23.0% in tier
NIM 3.7%
+15.1% YoY+0.8% QoQ
 +0.4% 3.3%
+9.3% YoY
 3.9%
+4.3% YoY
 3.7%
+5.0% YoY
 Top 20.7% in tier
Efficiency Ratio 81.4%
-5.1% YoY-0.6% QoQ
 +7.4% 74.0%
-10.9% YoY
 79.6%
-0.9% YoY
 79.1%
-3.3% YoY
 Top 20.1% in tier
Delinquency Rate 0.7%
-15.4% YoY-8.0% QoQ
 -0.1 0.8%
+6.1% YoY
 1.2%
+20.3% YoY
 1.2%
-0.9% YoY
 53rd in tier
Loan To Share 90.2%
+3.7% YoY+1.5% QoQ
 +5.0% 85.2%
-0.8% YoY
 71.8%
-2.5% YoY
 68.0%
-1.7% YoY
 56th in tier
AMR $22,382
+0.3% YoY-1.1% QoQ
 $-7K $29,172
+2.8% YoY
 $17,515
+1.3% YoY
 $19,418
+1.3% YoY
 Bottom 17.1% in tier
CD Concentration 36.1%
-0.4% YoY+0.3% QoQ
 +7.1% 29.0%
+0.8% YoY
 20.9%
+7.1% YoY
 19.6%
+6.2% YoY
 Top 19.8% in tier
Indirect Auto % 10.9%
+71.1% YoY+13.0% QoQ
 -7.9% 18.8%
-2.8% YoY
 7.2%
-0.2% YoY
 7.9%
-2.9% YoY
 38th in tier

Signature Analysis

Strengths (3)

Organic Growth Leader

growth
#42 of 138 • Top 10.5% in tier

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

Why This Signature
Member Growth (YoY): 5.37%
(Tier: 3.18%, National: 9.37%)
better than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | Rank improving

Emerging Performer

growth
#80 of 184 • Top 14.9% in tier

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

Why This Signature
Return on Assets: 0.42%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 5.37%
(Tier: 3.18%, National: 9.37%)
better than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank improving

Organic Growth Engine

growth
#142 of 246 • Top 19.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 5.37%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 0.42%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 10.87%
(Tier: 18.80%, National: 7.90%)
better than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank improving

Concerns (2)

Efficiency Drag

risk
#87 of 96 • Bottom 26.1% in tier

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

Why This Signature
Efficiency Ratio: 81.39%
(Tier: 73.45%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.23% points
(Tier: 0.07% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): 5.37%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
96 of 380 Mid-Market CUs have this signature | 624 nationally
↓ Shrinking -32 CUs YoY | Rank improving

Liquidity Strain

risk
#154 of 183 • Bottom 29.2% in tier

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

Why This Signature
Loan-to-Share Ratio: 90.22%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 7.76%
(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 | 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 (3 metrics)

51
Member Growth Rate
growth
Value: 5.37%
Peer Avg: 2.20%
#51 of 304 Top 16.4% in 1B-3B tier
63
Net Interest Margin (NIM)
profitability
Value: 3.71%
Peer Avg: 3.26%
#63 of 304 Top 20.4% in 1B-3B tier
76
Fee Income Per Member
profitability
Value: $251.06
Peer Avg: $210.52
#76 of 304 Top 24.7% in 1B-3B tier

Top Weaknesses (6 metrics)

252
Average Member Relationship (AMR)
engagement
Value: $22,382
Peer Avg: $29,172
#252 of 304 Bottom 17.4% in 1B-3B tier
251
Share Certificate Concentration (%)
balance_sheet
Value: 36.07%
Peer Avg: 28.53%
#251 of 304 Bottom 17.8% in 1B-3B tier
244
Efficiency Ratio
profitability
Value: 81.39%
Peer Avg: 73.97%
#244 of 304 Bottom 20.1% in 1B-3B tier
239
Net Charge-Off Rate
risk
Value: 0.87%
Peer Avg: 0.60%
#239 of 304 Bottom 21.7% in 1B-3B tier
234
Return on Assets (ROA)
profitability
Value: 0.42%
Peer Avg: 0.70%
#234 of 304 Bottom 23.4% in 1B-3B tier
232
Loan-to-Member Ratio (LMR)
engagement
Value: $10,616
Peer Avg: $13,213
#232 of 304 Bottom 24.0% in 1B-3B tier