FIRELANDS
Charter #11674 · Bellevue, OH · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.55% sits at the 13th percentile of structural peers — worth a closer look.
- Return on average assets of 1.40% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.91% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 2.04% sits at the 95th percentile of structural peers — worth a closer look.
- Efficiency ratio of 70.05% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
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 | FIRELANDS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $569.49M | 18th pct | 43th pct |
| Members | 36,412 | 36th pct | 39th pct |
| Net worth ratio | 9.55% | 31th pct | 13th pct |
| Return on average assets | 1.40% | 86th pct | 92th pct |
| Net interest margin | 3.91% | 79th pct | 82th pct |
| Cost of funds | 2.04% | 82th pct | 95th pct |
| Loan-to-share | 65.73% | 17th pct | 21th pct |
| Delinquency 60+ days | 0.84% | 69th pct | 72th pct |
| Net charge-off ratio | 0.62% | 69th pct | 61th pct |
| Loan growth YoY | 3.56% | 78th pct | 72th pct |
| Share growth YoY | 5.20% | 72th pct | 74th pct |
| Efficiency ratio | 70.05% | 23th pct | 21th pct |
structural peer set hash: 272ce81d85ffb072373df53010f43a37… (reproducible)
Closest structural peers
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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.