SOLUTIONS FIRST
Charter #16556 · Enterprise, AL · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 6.68% sits at the 0th percentile of structural peers — worth a closer look.
- Return on average assets of 0.08% sits at the 15th percentile of structural peers — worth a closer look.
- Net interest margin of 3.02% sits at the 11th percentile of structural peers — worth a closer look.
- Cost of funds of 1.77% sits at the 95th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 2.54% sits at the 89th 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 | SOLUTIONS FIRST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $45.68M | 94th pct | 70th pct |
| Members | 4,941 | 96th pct | 72th pct |
| Net worth ratio | 6.68% | 1th pct | 0th pct |
| Return on average assets | 0.08% | 21th pct | 15th pct |
| Net interest margin | 3.02% | 17th pct | 11th pct |
| Cost of funds | 1.77% | 85th pct | 95th pct |
| Loan-to-share | 45.23% | 29th pct | 39th pct |
| Delinquency 60+ days | 2.54% | 90th pct | 89th pct |
| Net charge-off ratio | 1.01% | 86th pct | 92th pct |
| Loan growth YoY | -9.87% | 7th pct | 8th pct |
| Share growth YoY | 2.64% | 52th pct | 43th pct |
| Efficiency ratio | 87.78% | 69th pct | 67th pct |
structural peer set hash: 069bfaeea05cb2ad4013758129ee72b4… (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.