FIRST CARE
Charter #22322 · Roanoke, VA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -5.72% sits at the 3rd percentile of structural peers — worth a closer look.
- Net interest margin of 2.69% sits at the 8th percentile of structural peers — worth a closer look.
- Cost of funds of 1.42% sits at the 79th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 14.45% sits at the 98th percentile of structural peers — worth a closer look.
- Efficiency ratio of 162.71% sits at the 95th 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 | FIRST CARE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.78M | 69th pct | 36th pct |
| Members | 1,202 | 89th pct | 62th pct |
| Net worth ratio | 14.12% | 33th pct | 46th pct |
| Return on average assets | -5.72% | 4th pct | 3th pct |
| Net interest margin | 2.69% | 16th pct | 8th pct |
| Cost of funds | 1.42% | 77th pct | 79th pct |
| Loan-to-share | 53.35% | 44th pct | 44th pct |
| Delinquency 60+ days | 0.74% | 48th pct | 43th pct |
| Net charge-off ratio | 14.45% | 99th pct | 98th pct |
| Loan growth YoY | -11.76% | 22th pct | 10th pct |
| Share growth YoY | -1.12% | 40th pct | 30th pct |
| Efficiency ratio | 162.71% | 94th pct | 95th pct |
structural peer set hash: c96142edd8329f602cda7d6c96e2eba6… (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.