FIRSTLIGHT
Charter #10174 · El Paso, TX · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.23% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.47% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.83% sits at the 98th percentile of structural peers — worth a closer look.
- Efficiency ratio of 67.37% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- On Efficiency ratio, the asset-size band puts this credit union at the 30th percentile but its structural peers at the 10th — a 20-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | FIRSTLIGHT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.63B | 36th pct | 52th pct |
| Members | 98,481 | 41th pct | 52th pct |
| Net worth ratio | 10.20% | 37th pct | 44th pct |
| Return on average assets | 0.72% | 50th pct | 69th pct |
| Net interest margin | 4.23% | 93th pct | 95th pct |
| Cost of funds | 1.46% | 35th pct | 31th pct |
| Loan-to-share | 87.24% | 53th pct | 54th pct |
| Delinquency 60+ days | 0.47% | 34th pct | 25th pct |
| Net charge-off ratio | 1.83% | 98th pct | 98th pct |
| Loan growth YoY | 5.23% | 83th pct | 93th pct |
| Share growth YoY | 2.22% | 20th pct | 23th pct |
| Efficiency ratio | 67.37% | 30th pct | 10th pct |
structural peer set hash: 3ab907301e48747f25a684277638f4af… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.