FIRST AREA
Charter #14346 · Lewistown, PA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.52% sits at the 11th percentile of structural peers — worth a closer look.
- Return on average assets of 1.29% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.23% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 63rd percentile but its structural peers at the 34th — a 28-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 AREA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $30.66M | 63th pct | 34th pct |
| Members | 2,621 | 66th pct | 44th pct |
| Net worth ratio | 9.52% | 14th pct | 11th pct |
| Return on average assets | 1.29% | 79th pct | 80th pct |
| Net interest margin | 3.58% | 37th pct | 57th pct |
| Cost of funds | 0.23% | 17th pct | 16th pct |
| Loan-to-share | 16.92% | 1th pct | 5th pct |
| Delinquency 60+ days | 0.16% | 28th pct | 28th pct |
| Net charge-off ratio | 0.13% | 50th pct | 52th pct |
| Loan growth YoY | -8.34% | 12th pct | 12th pct |
| Share growth YoY | 4.07% | 66th pct | 57th pct |
| Efficiency ratio | 73.12% | 33th pct | 33th pct |
structural peer set hash: 63bfbd9e88e54f1c749cb9c0f9582f12… (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.