FIRST FRONTIER
Charter #24270 · LYNBROOK, NY · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 125 sits at the 5th percentile of structural peers — worth a closer look.
- Net interest margin of 1.00% sits at the 3rd percentile of structural peers — worth a closer look.
- Cost of funds of 2.94% sits at the 89th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 20th 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 FRONTIER | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | 465,051 | 9th pct | 10th pct |
| Members | 125 | 7th pct | 5th pct |
| Net worth ratio | 18.81% | 54th pct | 48th pct |
| Return on average assets | 0.49% | 53th pct | 49th pct |
| Net interest margin | 1.00% | 2th pct | 3th pct |
| Cost of funds | 2.94% | 96th pct | 89th pct |
| Loan-to-share | 105.79% | 95th pct | 87th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 22th pct | 20th pct |
| Loan growth YoY | 14.50% | 95th pct | 98th pct |
| Share growth YoY | -11.85% | 6th pct | 8th pct |
| Efficiency ratio | 51.04% | 9th pct | 11th pct |
structural peer set hash: a4adb650ee26fc70b97463f2a1656df7… (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.