COMMUNITY FIRST
Charter #24199 · LAKEVIEW, MI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.33% sits at the 10th percentile of structural peers — worth a closer look.
- Net interest margin of 5.57% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.80% sits at the 92nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.59% sits at the 82nd percentile of structural peers — worth a closer look.
- On Efficiency ratio, the asset-size band puts this credit union at the 77th percentile but its structural peers at the 48th — a 29-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 | COMMUNITY FIRST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $146.93M | 30th pct | 23th pct |
| Members | 13,807 | 53th pct | 72th pct |
| Net worth ratio | 8.33% | 5th pct | 10th pct |
| Return on average assets | 0.23% | 18th pct | 30th pct |
| Net interest margin | 5.57% | 99th pct | 97th pct |
| Cost of funds | 1.32% | 57th pct | 34th pct |
| Loan-to-share | 91.57% | 91th pct | 67th pct |
| Delinquency 60+ days | 1.80% | 93th pct | 92th pct |
| Net charge-off ratio | 0.59% | 72th pct | 82th pct |
| Loan growth YoY | 1.62% | 63th pct | 59th pct |
| Share growth YoY | -1.17% | 5th pct | 15th pct |
| Efficiency ratio | 86.56% | 77th pct | 48th pct |
structural peer set hash: e6791b3b60a0d89f2ad819fd7a2843f6… (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.