FIRST COUNTY
Charter #14163 · MUNCIE, IN · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 1.16% sits at the 75th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 80th percentile but its structural peers at the 52nd — a 27-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 COUNTY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $34.44M | 71th pct | 56th pct |
| Members | 3,208 | 80th pct | 52th pct |
| Net worth ratio | 10.22% | 20th pct | 33th pct |
| Return on average assets | 0.59% | 47th pct | 48th pct |
| Net interest margin | 3.65% | 40th pct | 34th pct |
| Cost of funds | 1.16% | 65th pct | 75th pct |
| Loan-to-share | 46.63% | 31th pct | 44th pct |
| Delinquency 60+ days | 0.78% | 60th pct | 54th pct |
| Net charge-off ratio | 0.10% | 47th pct | 33th pct |
| Loan growth YoY | 11.06% | 98th pct | 98th pct |
| Share growth YoY | 5.59% | 78th pct | 62th pct |
| Efficiency ratio | 86.76% | 66th pct | 59th pct |
structural peer set hash: 86ae3751779385bc4a10b5d7f49898d7… (reproducible)
Closest structural peers
This is the free public view
Claim FIRST COUNTY
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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.