# FIRST COMMUNITY
Houston, TX · NCUA charter 66818 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/first-community-66818

Who the members are: state charter, organized 1954. 186,819 members of 7,500,000 potential (2.5% of the field); checking penetration 70% (share draft accounts per 100 members); loans per 100 members 53.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $2.96B |
| Members | 186,819 (7.4% YoY) |
| Full-time staff | 353 |
| Net worth | $239.0M |
| Net worth ratio | 8.1% (p5 of band) |
| ROA (annualized) | 0.90% (p66 of band) |
| Total delinquency | 0.40% (p26 of band) |
| Net charge-offs (annualized) | 0.50% (p49 of band) |
| Loans / shares | 109% (p98 of band) |
| Cash / assets | 3.3% |
| Borrowings / assets | 21.02% |
| Net interest margin | 2.85% (p19 of band) |
| Operating expense / assets | 3.34% (p58 of band) |
| Vehicles % of loans | 49% (p88 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 65% |
| Third-party paper % of net worth | 298% (p85 of band) |
| Vehicle delinquency | 0.48% (p37 of band) |
| Vehicle NCO | 0.48% (p16 of band) |
| Repossessed % of vehicle book | 0.23% (p86 of band) |
| Real estate % of loans | 30% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 110% |
| Core shares % of member funds | 44% |
| Certificates % of member funds | 31% |
| Average share balance | $5,771 |
| Participations bought / yr | $7.4M |
| Participations sold / yr | $7.2M |
| Participations outstanding | $40.6M |
| Loans outstanding per 100 members | 53% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $22,979 |
| Loans granted, annualized | $1.22B |

## Participation posture (from the same filings)

Bought $7.4M and sold $7.2M in the latest annualized quarter; $40.6M outstanding purchased (17.0% of net worth), $1.8M sold and retained. Sold in 4 and bought in 3 of the last 8 quarters. Shares 3.0% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **loans>95% of shares** (`str_ltos`)
- **leaning on borrowings** (`str_borrowings`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | delinquency rising |  |
| 2018-06 | 1 |  | thin capital, delinquency rising |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 5 | thin capital, net worth falling, delinquency 2x band, delinquency rising |  |
| 2020-09 | 1 |  | 3rd-party paper>100% NW, net worth falling, delinquency 2x band, delinquency rising |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | net worth falling |  |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | thin capital |
| 2022-03 | 1 | 3rd-party paper>100% NW |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 4 | thin capital, net worth falling, leaning on borrowings |  |
| 2023-03 | 5 | delinquency rising |  |
| 2023-06 | 6 | loans>95% of shares |  |
| 2023-09 | 5 |  | delinquency rising |
| 2023-12 | 6 | delinquency rising |  |
| 2024-03 | 6 |  |  |
| 2024-06 | 4 |  | net worth falling, loans>95% of shares |
| 2024-09 | 4 |  |  |
| 2024-12 | 5 | loans>95% of shares |  |
| 2025-03 | 5 | net worth falling | delinquency rising |
| 2025-06 | 4 |  | net worth falling |
| 2025-09 | 4 |  |  |
| 2025-12 | 5 | net worth falling |  |
| 2026-03 | 4 |  | net worth falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-04 [First Community Credit Union Announces Purchase of Future Headquarters Building in Northwest Houston - PR Newswire](https://news.google.com/rss/articles/CBMi7AFBVV95cUxNNllaYXpTbzlLWHFHSEJIQlJlVnhwQUlRY2NsWDlfUVBQMlNXT25udzRicDBhX2diUG5BUnpTTy0zN0hRTzJvMllYSkhSRm5rbFhtLUZJbjJXZXRWSVZqM1RZT0ZrekUzc05kenhvLVNkVjBNeFRwTVRtdXhzcXJLNWhuTV9qSmhJdGVsR0ZzRDVaak9yRzJFaGNHd3plZmV4VmJfYTIyd0M4cUVfdnZFOW0wa2hDekduRjh3cUFxSVc4YzFJUVdQN3JUQmpteUc5bF91bFU1RFZKUmJBcldWUUdZRnpwX0tkdFFmVA?oc=5) · PR Newswire
- 2026-09-02 [The best credit unions near Houston - Chron](https://news.google.com/rss/articles/CBMiakFVX3lxTFByd3FwR2MyYUVxZW9EdktCYWRyR3lKWjlCRTBzcXlnSUN2NUYxYzNaTmZqMEdPWThnY3dHblpUTUw5STJKU05idWEyREpoOVJrSXg3MmRuay1MeUI2N3lJLVRvT21hbkpFdWc?oc=5) · Chron
- 2026-03-03 [First Community Credit Union buys former Noble Energy building for new headquarters - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxPU3pOSTlLMmp5OVpka0xEX0R1VTBmUG1CejU4M3ZBMVRKZEt4SkUxVzloZTZYdy1NRjdHanA5YUFSOWdkZFlZQktoc3VIZWFkYVhGRHMyUGRUcmJTYjdQY3FXWmxzb3RWQlhIN0NXOVlXMGVHWjNNbjl1ZTR1ZUNPb3dFbk8tOWpSelQxeFc2bE5Pd2d6SlZ2emJId1ZmUEpSOHNwbQ?oc=5) · The Business Journals
- 2026-03-03 [First Community Credit Union buys former energy building for new headquarters - KHOU](https://news.google.com/rss/articles/CBMilgJBVV95cUxOY3k3VE01Z3hyZHNuUU5mdkpScTFKNVo1eGpsUTJDN3Q4NDlkcjl4UWZSVVZRbjRsaGliRUI0WmVQVHZaLWdLR29SazlzdDNFTUdObzdBbF9OTVE5aEdHRDk5RnlrdXVYRkNudktHY2V1RjQ2M2VjT3hrZXlPWUU0ZEZrNUxoMzlWdXhqMUhiTzlBMUxndlNkTWphR2FJLVMwTGRBdVEyX1g4dlh6b1ZUQ1laSnhPQVFQVHlUSllJNGw5MDd6S2R5dFRudHpMQm1SeFZUZ1RvTTB4cEVTdnBZbG5WUDhidE1keng4S2Z2ZVNKVEZ1VkoyM1h3YXhJMGhJNEREQ1lUMzR5UGQ1dVFOeGhtVFZYUQ?oc=5) · KHOU
- 2026-03-06 [First Community Credit Union buys northwest Houston office tower for new headquarters - Houston Chronicle](https://news.google.com/rss/articles/CBMipwFBVV95cUxQOERQaHN0T1ZvTFpic292aVBkcGNtY0hUOVEtQXR3a0o1M2hlWV85RWJabU1ueW5qZ0ZhbEhrQUI1VHdCU2FpQnJNNHlpcmlVY0JWQk1nQ0xWaGoxUk1fYUpqYVNteENoQjdKcmJpWWRpWlV5UThpMzhNRFdJdUg0QkVDT0ZUQjZURkk3aXNHU1EyVU1iZm5YRDBwMnBjWmxrWFYyRXlZWQ?oc=5) · Houston Chronicle
- 2025-10-17 [First Community Credit Union opens exciting new branch in the heart of Tomball, TX - CUInsight](https://news.google.com/rss/articles/CBMivwFBVV95cUxPVXpKRjJ6MF9jUVVpNkhsbUtGTnJaa19ManVuUEFJbmY0d0t0aUUwbURMTkNKaFRwQzhFcVh6YThDRFRBY3VvOUpjRThib3Via0pWem9Xa1RsQWNyODFkV0toUElIX280VlRCUDEwR1pGUk1RSTIzNDJySmtQSXBmTkFlUHlJRkZkYmN1WXBiY3Z0WmdPQ0VQWVFFR3lqZk40a3AyTmIxLUhOM0hKNkYtR3RvV2lJblV3aVotd3BIMA?oc=5) · CUInsight
- 2026-03-04 [First Community Credit Union buys 20-story building for new Houston headquarters - The Real Deal](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQSUFCUktnRmliNERXQUJESXNhWFBxbUtJekZ6eFNTajJ4a3JWNXMzNVIwSko1UTNPMzB3M2RQLUMtVmpmQ1BJZVAyS1paM1NzMWpmYnZxYmNPeUNxbWJER0c5NTgyWTFqcF9nTmtCZUtpWXg3S0I2S1c4QmxBZUxwcFhMMmNwMDhVUVFiaEkwYml2RnB5OWVyRE1nMWNGSDF2UE9fMi1JZ2lYbjA?oc=5) · The Real Deal
- 2026-03-17 [Video What happened inside Texas bank during robbery - ABC News - Breaking News, Latest News and Videos](https://news.google.com/rss/articles/CBMiS0FVX3lxTE9nY3gtMmgySXl4YzNNdWtyQ3RHUWFONUd3LTdJai1HMmdUc1RzbDBKUEQ4RFFsSGU4akNnLU5zR3NxeTJLdnZ1ZjVBZw?oc=5) · ABC News - Breaking News, Latest News and Videos

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66818 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/2.json (key "66818", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=66818
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide