FIRST NRV
Charter #2263 · Radford, VA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 1.81% sits at the 92nd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.59% sits at the 87th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 2.53% sits at the 97th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 81st percentile but its structural peers at the 31st — a 50-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 NRV | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $39.30M | 81th pct | 31th pct |
| Members | 2,724 | 68th pct | 26th pct |
| Net worth ratio | 8.90% | 10th pct | 26th pct |
| Return on average assets | 0.35% | 33th pct | 38th pct |
| Net interest margin | 3.70% | 43th pct | 44th pct |
| Cost of funds | 1.81% | 86th pct | 92th pct |
| Loan-to-share | 64.87% | 62th pct | 59th pct |
| Delinquency 60+ days | 1.59% | 80th pct | 87th pct |
| Net charge-off ratio | 2.53% | 97th pct | 97th pct |
| Loan growth YoY | -0.13% | 69th pct | 52th pct |
| Share growth YoY | 1.46% | 39th pct | 30th pct |
| Efficiency ratio | 81.95% | 54th pct | 38th pct |
structural peer set hash: 97d6904b459a724e8487b40bf912c51b… (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.