FIRST POINT
Charter #10319 · HAMILTON, NJ · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,186 sits at the 8th percentile of structural peers — worth a closer look.
- Net worth ratio of 7.35% sits at the 2nd percentile of structural peers — worth a closer look.
- Return on average assets of -0.48% sits at the 10th percentile of structural peers — worth a closer look.
- Net interest margin of 2.04% sits at the 15th percentile of structural peers — worth a closer look.
- Cost of funds of 1.74% sits at the 82nd percentile of structural peers — worth a closer look.
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 | FIRST POINT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $25.21M | 50th pct | 33th pct |
| Members | 1,186 | 12th pct | 8th pct |
| Net worth ratio | 7.35% | 3th pct | 2th pct |
| Return on average assets | -0.48% | 11th pct | 10th pct |
| Net interest margin | 2.04% | 2th pct | 15th pct |
| Cost of funds | 1.74% | 84th pct | 82th pct |
| Loan-to-share | 27.49% | 7th pct | 26th pct |
| Delinquency 60+ days | 0.09% | 21th pct | 25th pct |
| Net charge-off ratio | 2.16% | 95th pct | 93th pct |
| Loan growth YoY | -3.46% | 42th pct | 51th pct |
| Share growth YoY | -3.06% | 8th pct | 8th pct |
| Efficiency ratio | 115.18% | 96th pct | 93th pct |
structural peer set hash: 18419b84d6422e2fe4091bbe12f8b217… (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.