1ST COMMUNITY

Charter #8715 | TX

100M-500M (1077 CUs) Micro
79 100M-500M in TX

1ST COMMUNITY has 7 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 20.9% in tier
  • + Wallet Share Momentum: Top 30.4% in tier
  • + ROA 0.21% above tier average
  • + Net Interest Margin 0.41% above tier average
  • + Fee Income Per Member: Top 3.4% in tier
  • + Total Loans: Top 8.4% in tier
  • + Total Assets: Top 9.8% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 1.8% in tier
  • - Cost Spiral: Bottom 3.7% in tier
  • - Growth-at-Risk: Bottom 12.3% in tier
  • - Margin Compression: Bottom 21.0% in tier
  • - Liquidity Overhang: Bottom 24.3% in tier
  • - Indirect Auto Dependency: Bottom 26.2% in tier
  • - Delinquency rate 2.33% above tier average
  • - Total Delinquency Rate (60+ days): Bottom 1.9% in tier
  • - Members Per Employee (MPE): Bottom 6.0% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 23,746
+0.4% YoY+0.7% QoQ
 +8.1K 15,628
-3.4% YoY
 26,896
+3.7% YoY
 33,089
+6.1% YoY
 Top 15.4% in tier
Assets $408.5M
+2.9% YoY-1.1% QoQ
 +$177.2M $231.3M
-0.0% YoY
 $411.3M
+5.9% YoY
 $547.7M
+7.8% YoY
 Top 9.9% in tier
Loans $283.3M
+1.9% YoY+1.8% QoQ
 +$135.5M $147.8M
-1.4% YoY
 $295.8M
+5.3% YoY
 $388.7M
+8.6% YoY
 Top 8.5% in tier
Deposits $350.8M
+3.0% YoY-1.5% QoQ
 +$150.5M $200.3M
-0.0% YoY
 $341.5M
+6.1% YoY
 $464.6M
+9.3% YoY
 Top 10.1% in tier
ROA 1.0%
-15.1% YoY-7.0% QoQ
 +0.2% 0.8%
+15.5% YoY
 0.5%
-24.0% YoY
 0.7%
+273.4% YoY
 66th in tier
NIM 4.0%
+0.9% YoY+1.5% QoQ
 +0.4% 3.6%
+6.9% YoY
 3.9%
+4.3% YoY
 3.7%
+5.0% YoY
 72nd in tier
Efficiency Ratio 75.8%
+15.0% YoY+4.2% QoQ
 -1.4% 77.3%
-3.0% YoY
 79.6%
-0.9% YoY
 79.1%
-3.3% YoY
 46th in tier
Delinquency Rate 3.2%
+46.6% YoY+53.2% QoQ
 +2.3 0.9%
+7.6% YoY
 1.2%
+20.3% YoY
 1.2%
-0.9% YoY
 Top 1.9% in tier
Loan To Share 80.8%
-1.0% YoY+3.4% QoQ
 +8.1% 72.7%
-1.5% YoY
 71.8%
-2.5% YoY
 68.0%
-1.7% YoY
 65th in tier
AMR $26,704
+2.1% YoY-0.8% QoQ
 +$2K $24,363
+2.9% YoY
 $17,515
+1.3% YoY
 $19,418
+1.3% YoY
 72nd in tier
CD Concentration 24.7%
-2.0% YoY-5.9% QoQ
 +0.3% 24.4%
+4.2% YoY
 20.9%
+7.1% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 21.4%
-16.8% YoY-5.2% QoQ
 +7.4% 14.0%
-5.8% YoY
 7.2%
-0.2% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#577 of 1006 • Top 20.9% in tier

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

Why This Signature
AMR Growth (YoY): 2.08%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $3.5K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Wallet Share Momentum

growth
#839 of 1006 • Top 30.4% in tier

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

Why This Signature
AMR Growth (YoY): 2.08%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (6)

Credit Quality Pressure

risk
#45 of 736 • Bottom 1.8% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 1.01% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Cost Spiral

risk
#10 of 62 • Bottom 3.7% in tier

Historically lean operator now seeing efficiency ratio rise significantly. Efficiency advantage eroding - early intervention critical.

Why This Signature
Efficiency Ratio Change: 9.87% points
(Tier: -2.84% points, National: -1.81% points)
worse than tier avg
Efficiency Ratio (Prior Year): -
(Tier: -, National: -)
Total Assets: $408.49M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
62 of 1077 Community CUs have this signature | 80 nationally
↓ Shrinking -38 CUs YoY | New qualifier

Growth-at-Risk

risk
#185 of 446 • Bottom 12.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 1.95%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 1.01% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

Margin Compression

decline
#89 of 136 • Bottom 21.0% in tier

Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 1.00%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
ROA Change (YoY): -0.18% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Total Assets: $408.49M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
136 of 1077 Community CUs have this signature | 169 nationally
↓ Shrinking -43 CUs YoY | New qualifier

Liquidity Overhang

risk
#376 of 552 • Bottom 24.3% 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: 13.54%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 80.76%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

Indirect Auto Dependency

risk
#422 of 525 • Bottom 26.2% in tier

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

Why This Signature
Asset Growth (YoY): 2.86%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 21.41%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 0.44%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

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 1077 peers in tier

Top Strengths (8 metrics)

38
Fee Income Per Member
profitability
Value: $321.27
Peer Avg: $174.31
#38 of 1077 Top 3.4% in 100M-500M tier
92
Total Loans
balance_sheet
Value: $283.31M
Peer Avg: $147.80M
#92 of 1077 Top 8.4% in 100M-500M tier
107
Total Assets
balance_sheet
Value: $408.49M
Peer Avg: $231.30M
#107 of 1077 Top 9.8% in 100M-500M tier
109
Total Deposits
balance_sheet
Value: $350.80M
Peer Avg: $200.29M
#109 of 1077 Top 10.0% in 100M-500M tier
166
Total Members
engagement
Value: 23,746
Peer Avg: 15,628
#166 of 1077 Top 15.3% in 100M-500M tier
213
First Mortgage Concentration (%)
balance_sheet
Value: 14.66%
Peer Avg: 30.43%
#213 of 1077 Top 19.7% in 100M-500M tier
264
Loan-to-Member Ratio (LMR)
engagement
Value: $11,931
Peer Avg: $10,245
#264 of 1077 Top 24.4% in 100M-500M tier
269
Net Worth Ratio
risk
Value: 13.54%
Peer Avg: 12.15%
#269 of 1077 Top 24.9% in 100M-500M tier

Top Weaknesses (3 metrics)

1057
Total Delinquency Rate (60+ days)
risk
Value: 3.19%
Peer Avg: 0.86%
#1057 of 1077 Bottom 1.9% in 100M-500M tier
1013
Members Per Employee (MPE)
engagement
Value: 210.142
Peer Avg: 332.881
#1013 of 1077 Bottom 6.0% in 100M-500M tier
957
Net Charge-Off Rate
risk
Value: 0.92%
Peer Avg: 0.47%
#957 of 1077 Bottom 11.2% in 100M-500M tier