FIRST NESHOBA
Charter #16435 · Philadelphia, MS · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 3,900 ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.17% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 21st percentile but its structural peers at the 38th — a 17-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 NESHOBA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $25.66M | 51th pct | 49th pct |
| Members | 3,900 | 90th pct | 89th pct |
| Net worth ratio | 12.30% | 39th pct | 39th pct |
| Return on average assets | 1.04% | 70th pct | 66th pct |
| Net interest margin | 3.94% | 55th pct | 66th pct |
| Cost of funds | 0.17% | 12th pct | 13th pct |
| Loan-to-share | 39.50% | 21th pct | 38th pct |
| Delinquency 60+ days | 0.47% | 45th pct | 41th pct |
| Net charge-off ratio | 0.33% | 64th pct | 69th pct |
| Loan growth YoY | 2.36% | 84th pct | 75th pct |
| Share growth YoY | 9.35% | 94th pct | 85th pct |
| Efficiency ratio | 75.01% | 37th pct | 43th pct |
structural peer set hash: 697e8295c2e3397b08cb442323c8661d… (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.