FIRST STREET
Charter #20417 · DERIDDER, LA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.61% sits at the 7th percentile of structural peers — worth a closer look.
- Cost of funds of 2.35% sits at the 93rd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.08% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.07% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 56.44% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
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 STREET | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $60.26M | 26th pct | 52th pct |
| Members | 3,355 | 16th pct | 43th pct |
| Net worth ratio | 16.04% | 76th pct | 62th pct |
| Return on average assets | 1.31% | 78th pct | 70th pct |
| Net interest margin | 2.61% | 6th pct | 7th pct |
| Cost of funds | 2.35% | 95th pct | 93th pct |
| Loan-to-share | 57.52% | 45th pct | 46th pct |
| Delinquency 60+ days | 0.08% | 10th pct | 11th pct |
| Net charge-off ratio | -0.07% | 6th pct | 8th pct |
| Loan growth YoY | -0.96% | 56th pct | 54th pct |
| Share growth YoY | 7.00% | 88th pct | 77th pct |
| Efficiency ratio | 56.44% | 8th pct | 21th pct |
structural peer set hash: 2e2af26dad8c6e5d95fe473f9a55ece0… (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.