FIRST PIONEERS

Charter #24783 · LAFAYETTE, LA · $50M-$100M

Public 5300 data · as of 2026Q1

What the numbers say

Net interest margin of 3.60% sits at the 15th percentile of structural peers — worth a closer look.
Cost of funds of 1.52% sits at the 85th percentile of structural peers — worth a closer look.
Net charge-off ratio of 0.99% sits at the 82nd percentile of structural peers — worth a closer look.
On Net interest margin, the asset-size band puts this credit union at the 44th percentile but its structural peers at the 15th — a 30-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 PIONEERS	Asset-tier percentile	Structural percentile
Total assets	$62.04M	29th pct	36th pct
Members	6,719	76th pct	59th pct
Net worth ratio	10.85%	28th pct	34th pct
Return on average assets	0.83%	58th pct	72th pct
Net interest margin	3.60%	44th pct	15th pct
Cost of funds	1.52%	81th pct	85th pct
Loan-to-share	71.99%	71th pct	61th pct
Delinquency 60+ days	0.78%	60th pct	43th pct
Net charge-off ratio	0.99%	89th pct	82th pct
Loan growth YoY	-4.42%	23th pct	10th pct
Share growth YoY	5.78%	79th pct	75th pct
Efficiency ratio	79.76%	50th pct	31th pct

structural peer set hash: fbb4a39d702a1b1e55bf341fbbf83d91… (reproducible)

Closest structural peers

BRECO70.7%

#24526 · LA

UNIVERSITY OF LOUISIANA65.2%

#12570 · LA

POST OFFICE EMPLOYEES'63.9%

#63069 · LA

FICARE61.2%

#13902 · FL

ELECTEL COOPERATIVE60.8%

#24819 · NC

GP LOUISIANA60.6%

#19320 · LA

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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.