1ST COOPERATIVE
Charter #24627 · Cayce, SC · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -5.49% sits at the 2nd percentile of structural peers — worth a closer look.
- Net interest margin of 5.76% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.15% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 137.35% sits at the 97th percentile of structural peers — worth a closer look.
- On Net charge-off ratio, the asset-size band puts this credit union at the 52nd percentile but its structural peers at the 23rd — 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 | 1ST COOPERATIVE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $22.03M | 41th pct | 36th pct |
| Members | 2,488 | 62th pct | 38th pct |
| Net worth ratio | 12.61% | 42th pct | 56th pct |
| Return on average assets | -5.49% | 1th pct | 2th pct |
| Net interest margin | 5.76% | 98th pct | 93th pct |
| Cost of funds | 0.86% | 51th pct | 62th pct |
| Loan-to-share | 76.86% | 80th pct | 80th pct |
| Delinquency 60+ days | 0.50% | 46th pct | 33th pct |
| Net charge-off ratio | 0.15% | 52th pct | 23th pct |
| Loan growth YoY | -7.51% | 16th pct | 3th pct |
| Share growth YoY | 1.21% | 37th pct | 36th pct |
| Efficiency ratio | 137.35% | 99th pct | 97th pct |
structural peer set hash: 006ec632ebe39ba7fada27cc12ea40cf… (reproducible)
Closest structural peers
This is the free public view
Claim 1ST COOPERATIVE
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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.