FAIRFIELD
Charter #12305 · PINE BLUFF, AR · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 9,534 ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 23.09% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 2.34% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.26% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.54% sits at the 90th 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 | FAIRFIELD | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $99.03M | 100th pct | 90th pct |
| Members | 9,534 | 94th pct | 90th pct |
| Net worth ratio | 23.09% | 97th pct | 89th pct |
| Return on average assets | 2.34% | 98th pct | 92th pct |
| Net interest margin | 3.99% | 66th pct | 66th pct |
| Cost of funds | 0.26% | 12th pct | 25th pct |
| Loan-to-share | 42.36% | 17th pct | 31th pct |
| Delinquency 60+ days | 1.54% | 87th pct | 90th pct |
| Net charge-off ratio | 0.66% | 79th pct | 87th pct |
| Loan growth YoY | -5.39% | 16th pct | 28th pct |
| Share growth YoY | 2.77% | 48th pct | 49th pct |
| Efficiency ratio | 74.51% | 35th pct | 51th pct |
structural peer set hash: e169b730ef05dc4a2e1f6a4c8f4545de… (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.