FIRST PRIORITY
Charter #24649 · Huntington, WV · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 7,321 ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.01% sits at the 18th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.06% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 85.46% sits at the 75th percentile of structural peers — worth a closer look.
- On Cost of funds, the asset-size band puts this credit union at the 37th percentile but its structural peers at the 66th — 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 | FIRST PRIORITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $75.20M | 58th pct | 75th pct |
| Members | 7,321 | 82th pct | 84th pct |
| Net worth ratio | 11.61% | 37th pct | 34th pct |
| Return on average assets | 0.60% | 44th pct | 34th pct |
| Net interest margin | 3.01% | 17th pct | 18th pct |
| Cost of funds | 0.74% | 37th pct | 66th pct |
| Loan-to-share | 41.29% | 15th pct | 30th pct |
| Delinquency 60+ days | 0.06% | 8th pct | 3th pct |
| Net charge-off ratio | 0.14% | 38th pct | 46th pct |
| Loan growth YoY | -12.99% | 1th pct | 3th pct |
| Share growth YoY | 3.76% | 62th pct | 51th pct |
| Efficiency ratio | 85.46% | 67th pct | 75th pct |
structural peer set hash: 468426cb1a8addc4cb272fb01dbca818… (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.