AMERICA'S FIRST
Charter #24534 · Birmingham, AL · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 195,131 ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- On Return on average assets, the asset-size band puts this credit union at the 54th percentile but its structural peers at the 38th — a 16-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 | AMERICA'S FIRST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.74B | 61th pct | 72th pct |
| Members | 195,131 | 72th pct | 77th pct |
| Net worth ratio | 12.01% | 71th pct | 74th pct |
| Return on average assets | 0.76% | 54th pct | 38th pct |
| Net interest margin | 3.53% | 62th pct | 52th pct |
| Cost of funds | 1.48% | 37th pct | 41th pct |
| Loan-to-share | 90.56% | 63th pct | 49th pct |
| Delinquency 60+ days | 0.77% | 64th pct | 70th pct |
| Net charge-off ratio | 0.60% | 57th pct | 46th pct |
| Loan growth YoY | -0.57% | 19th pct | 11th pct |
| Share growth YoY | 4.45% | 57th pct | 44th pct |
| Efficiency ratio | 72.50% | 50th pct | 57th pct |
structural peer set hash: d6fbff922bffb507a165df47545c7ba5… (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.