FIRST OHIO COMMUNITY
Charter #2454 · North Canton, OH · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.03% sits at the 15th percentile of structural peers — worth a closer look.
- Cost of funds of 1.31% 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.
- On Members, the asset-size band puts this credit union at the 81st percentile but its structural peers at the 44th — a 37-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 OHIO COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $45.88M | 94th pct | 67th pct |
| Members | 3,280 | 81th pct | 44th pct |
| Net worth ratio | 10.29% | 20th pct | 34th pct |
| Return on average assets | 0.60% | 48th pct | 54th pct |
| Net interest margin | 3.03% | 17th pct | 15th pct |
| Cost of funds | 1.31% | 71th pct | 89th pct |
| Loan-to-share | 40.85% | 22th pct | 36th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.37% | 66th pct | 54th pct |
| Loan growth YoY | -7.06% | 18th pct | 10th pct |
| Share growth YoY | 6.93% | 86th pct | 85th pct |
| Efficiency ratio | 76.55% | 40th pct | 36th pct |
structural peer set hash: cfa8efc6b6db0a9e699ffea3ea645f6b… (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.