FIRST FAMILY
Charter #11057 · Henryetta, OK · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.24% sits at the 15th percentile of structural peers — worth a closer look.
- Efficiency ratio of 88.53% sits at the 84th percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 85th percentile but its structural peers at the 64th — a 21-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 | FIRST FAMILY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $151.03M | 31th pct | 39th pct |
| Members | 19,075 | 74th pct | 67th pct |
| Net worth ratio | 11.80% | 54th pct | 54th pct |
| Return on average assets | 0.24% | 19th pct | 15th pct |
| Net interest margin | 4.32% | 85th pct | 64th pct |
| Cost of funds | 1.53% | 68th pct | 64th pct |
| Loan-to-share | 81.72% | 73th pct | 61th pct |
| Delinquency 60+ days | 0.89% | 70th pct | 72th pct |
| Net charge-off ratio | 0.61% | 73th pct | 52th pct |
| Loan growth YoY | 0.47% | 52th pct | 39th pct |
| Share growth YoY | 3.99% | 57th pct | 43th pct |
| Efficiency ratio | 88.53% | 81th pct | 84th pct |
structural peer set hash: a0b9a08fd81fc4b92325d9e3f5a68ea9… (reproducible)
Closest structural peers
This is the free public view
Claim FIRST FAMILY
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.