First Community Credit Union
Houston, TX·Charter 66818·cu:66818·Credit union RBC / net worth
- #10 of 380Total assets in Texas
- Top 4%Total assets in the U.S.
- 189.8Kmembers
- Top 2%Margin improvement in the U.S.
- #5 of 193Loan growth in Texas
- Top 4%Member growth in the U.S.
Performance over time
7 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
Credit union · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at First Community Credit Union
6 of 24 FORFI signals stand out against 143 similar credit unions, based on NCUA data for the quarter.
Borrowed funding rising while the peer median holds steadyWorth a look: Funding25.8%peers 2.8%+23.0 pp
First Community Credit Union's borrowings as a share of assets rose 10.0 percentage points over the past year to 25.8%. Among 139 similar credit unions, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Borrowings as a share of assets | ||
| 25.8% | 2.8% | +23.0 pp |
| 12-month change | ||
| +10.0 pp | 0.0 pp | +10.0 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 143 credit unions with $3 billion to $10 billion in assets that filed NCUA data for the same quarter. First Community Credit Union itself is left out of every peer median and percentile. How signals work
Net interest margin widening faster than peersStrength: Earnings3.72%peers 3.30%+42 bps
First Community Credit Union's net interest margin on average assets rose 75 bps over the past year to 3.72%. Among 139 similar credit unions, the median rose 15 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Net interest margin on average assets | ||
| 3.72% | 3.30% | +42 bps |
| 12-month change | ||
| +75 bps | +15 bps | +60 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 143 credit unions with $3 billion to $10 billion in assets that filed NCUA data for the same quarter. First Community Credit Union itself is left out of every peer median and percentile. How signals work
Auto lending growing faster than peersStrength: Lending+44.0%peers +1.8%+42.2 pp
First Community Credit Union's auto loans grew 44.0% over the past year to $1.2 billion. The median among 139 similar credit unions was +1.8%.
| This institution | Peer median | Difference |
|---|---|---|
| Auto loans, 12-month growth | ||
| +44.0% | +1.8% | +42.2 pp |
| Auto loans | ||
| $1.2 billion | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 143 credit unions with $3 billion to $10 billion in assets that filed NCUA data for the same quarter. First Community Credit Union itself is left out of every peer median and percentile. How signals work
Membership growing faster than peersStrength: Membership+10.8%peers +2.8%+8.0 pp
First Community Credit Union's membership grew 10.8% over the past year. The median among 139 similar credit unions was +2.8%.
| This institution | Peer median | Difference |
|---|---|---|
| Membership, 12-month growth | ||
| +10.8% | +2.8% | +8.0 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 143 credit unions with $3 billion to $10 billion in assets that filed NCUA data for the same quarter. First Community Credit Union itself is left out of every peer median and percentile. How signals work
Delinquent loans falling while the peer median risesStrength: Asset quality0.39%peers 0.67%-28 bps
First Community Credit Union's loans 60+ days delinquent as a share of loans fell 21 bps over the past year to 0.39%. Among 139 similar credit unions, the median rose 3 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Loans 60+ days delinquent as a share of loans | ||
| 0.39% | 0.67% | -28 bps |
| 12-month change | ||
| -21 bps | +3 bps | -24 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 143 credit unions with $3 billion to $10 billion in assets that filed NCUA data for the same quarter. First Community Credit Union itself is left out of every peer median and percentile. How signals work
1 more observation
- Return on assets falling while the peer median risesEarnings
Key facts
- First Community Credit Union is a state-chartered credit union headquartered in Houston, Texas. It reported $3.1 billion in total assets for the quarter ended June 30, 2026.
- Shares and deposits totaled $2.0 billion, up 0.8% from a year earlier, and loans totaled $2.4 billion, up 17.2%.
- Its net interest margin on average assets was 3.72% and its annualized return on assets was 0.85% for the quarter.
- Its cost of all shares and deposits was 1.42%, compared with a median of 1.95% among 143 similar credit unions with $3 billion to $10 billion in assets.
- It served 189,781 members, up 10.8% from a year earlier.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With First Community Credit Union's own data, FORFI would look at: Which depositors and relationships drive the change in funding, and what to offer them next.
Analysis workspaces
Sources and identifiers
- Institution
- First Community Credit Union · Credit union
- NCUA charter
- 66818
- Reporting period
- Peer group
- 143 credit unions with $3 billion to $10 billion in assets that filed NCUA data for the same quarter. First Community Credit Union itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
NCUA · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation |
|---|---|
| $6.42M | |
| $42.25M | |
| $14.31M | |
| $27.94M | |
| $8.17M | |
| $25.65M | |
| $4.04M | |
| $4.04M | |
| 0.85% | |
| 3.72% | |
| 71.03% |
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-16T13:43:41.229347+00:00. Separate reference provenance is included in the export.