FIRST UNITY
Charter #24859 · McComb, MS · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 4,322 ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.83% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 6.57% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 2.58% sits at the 87th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 20.48% sits at the 98th 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 UNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $11.70M | 8th pct | 48th pct |
| Members | 4,322 | 93th pct | 87th pct |
| Net worth ratio | 13.46% | 49th pct | 56th pct |
| Return on average assets | 1.83% | 92th pct | 87th pct |
| Net interest margin | 6.57% | 100th pct | 93th pct |
| Cost of funds | 2.58% | 96th pct | 87th pct |
| Loan-to-share | 91.58% | 95th pct | 80th pct |
| Delinquency 60+ days | 20.48% | 100th pct | 98th pct |
| Net charge-off ratio | 0.00% | 23th pct | 18th pct |
| Loan growth YoY | -14.82% | 1th pct | 0th pct |
| Share growth YoY | -9.63% | 1th pct | 3th pct |
| Efficiency ratio | 60.89% | 12th pct | 8th pct |
structural peer set hash: 7839bad5fb1a3c3eaa06eb3bf7d318b7… (reproducible)
Closest structural peers
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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.