FICARE
Charter #13902 · Wesley Chapel, FL · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.55% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.04% sits at the 85th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 88th percentile but its structural peers at the 52nd — a 35-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 | FICARE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $81.13M | 70th pct | 44th pct |
| Members | 8,061 | 88th pct | 52th pct |
| Net worth ratio | 12.59% | 47th pct | 61th pct |
| Return on average assets | 0.88% | 61th pct | 74th pct |
| Net interest margin | 4.55% | 89th pct | 79th pct |
| Cost of funds | 0.81% | 42th pct | 31th pct |
| Loan-to-share | 73.34% | 73th pct | 66th pct |
| Delinquency 60+ days | 0.81% | 63th pct | 69th pct |
| Net charge-off ratio | 1.04% | 89th pct | 85th pct |
| Loan growth YoY | 0.89% | 70th pct | 72th pct |
| Share growth YoY | 0.91% | 27th pct | 33th pct |
| Efficiency ratio | 82.57% | 59th pct | 48th pct |
structural peer set hash: a10837d6b5287c116647431c63fe9a05… (reproducible)
Closest structural peers
This is the free public view
Claim FICARE
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.