FIRST
Charter #24673 · Hiawatha, IA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 7.26% sits at the 2nd percentile of structural peers — worth a closer look.
- Return on average assets of -0.59% sits at the 3rd percentile of structural peers — worth a closer look.
- Net interest margin of 2.27% sits at the 3rd percentile of structural peers — worth a closer look.
- Cost of funds of 2.57% sits at the 92nd percentile of structural peers — worth a closer look.
- Efficiency ratio of 105.98% sits at the 95th percentile of structural peers — worth a closer look.
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 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $177.44M | 42th pct | 43th pct |
| Members | 10,057 | 33th pct | 41th pct |
| Net worth ratio | 7.26% | 1th pct | 2th pct |
| Return on average assets | -0.59% | 2th pct | 3th pct |
| Net interest margin | 2.27% | 2th pct | 3th pct |
| Cost of funds | 2.57% | 97th pct | 92th pct |
| Loan-to-share | 92.29% | 93th pct | 72th pct |
| Delinquency 60+ days | 0.71% | 58th pct | 49th pct |
| Net charge-off ratio | 0.47% | 62th pct | 74th pct |
| Loan growth YoY | -4.01% | 10th pct | 5th pct |
| Share growth YoY | -1.03% | 5th pct | 16th pct |
| Efficiency ratio | 105.98% | 98th pct | 95th pct |
structural peer set hash: 3350f1c00a8240edeae854e6273bbdd7… (reproducible)
Closest structural peers
This is the free public view
Claim FIRST
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.