INFIRST
Charter #233 · Alexandria, VA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.13% sits at the 18th percentile of structural peers — worth a closer look.
- Net interest margin of 3.19% sits at the 5th percentile of structural peers — worth a closer look.
- Efficiency ratio of 92.57% sits at the 84th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 57th percentile but its structural peers at the 38th — a 20-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 | INFIRST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $191.92M | 48th pct | 38th pct |
| Members | 14,636 | 57th pct | 38th pct |
| Net worth ratio | 10.35% | 32th pct | 41th pct |
| Return on average assets | 0.13% | 13th pct | 18th pct |
| Net interest margin | 3.19% | 23th pct | 5th pct |
| Cost of funds | 1.06% | 41th pct | 38th pct |
| Loan-to-share | 83.87% | 78th pct | 72th pct |
| Delinquency 60+ days | 0.66% | 54th pct | 48th pct |
| Net charge-off ratio | 0.33% | 47th pct | 43th pct |
| Loan growth YoY | -3.50% | 13th pct | 11th pct |
| Share growth YoY | 0.75% | 15th pct | 15th pct |
| Efficiency ratio | 92.57% | 90th pct | 84th pct |
structural peer set hash: e8b9afc5c631ba5beba9edcb127b5cb4… (reproducible)
Closest structural peers
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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.