TEAM FIRST
Charter #14829 · LANCASTER, PA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 812 sits at the 3rd percentile of structural peers — worth a closer look.
- Return on average assets of -0.86% sits at the 7th percentile of structural peers — worth a closer look.
- Cost of funds of 0.43% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 2.98% sits at the 92nd percentile of structural peers — worth a closer look.
- Efficiency ratio of 114.80% 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 | TEAM FIRST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $8.85M | 93th pct | 7th pct |
| Members | 812 | 71th pct | 3th pct |
| Net worth ratio | 12.53% | 25th pct | 61th pct |
| Return on average assets | -0.86% | 17th pct | 7th pct |
| Net interest margin | 3.91% | 46th pct | 70th pct |
| Cost of funds | 0.43% | 46th pct | 20th pct |
| Loan-to-share | 59.28% | 51th pct | 69th pct |
| Delinquency 60+ days | 2.98% | 77th pct | 92th pct |
| Net charge-off ratio | 0.02% | 73th pct | 36th pct |
| Loan growth YoY | 9.03% | 92th pct | 98th pct |
| Share growth YoY | -4.25% | 20th pct | 10th pct |
| Efficiency ratio | 114.80% | 85th pct | 90th pct |
structural peer set hash: a22e98345dd5bb491311be023d9483b5… (reproducible)
Closest structural peers
This is the free public view
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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.