THE FIRST FINANCIAL
Charter #24875 · Pasadena, CA · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 33,009 ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 6.90% sits at the 5th percentile of structural peers — worth a closer look.
- Return on average assets of -0.01% sits at the 20th percentile of structural peers — worth a closer look.
- Net interest margin of 3.20% sits at the 15th percentile of structural peers — worth a closer look.
- Cost of funds of 1.17% sits at the 79th 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 | THE FIRST FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $746.46M | 58th pct | 85th pct |
| Members | 33,009 | 24th pct | 82th pct |
| Net worth ratio | 6.90% | 1th pct | 5th pct |
| Return on average assets | -0.01% | 5th pct | 20th pct |
| Net interest margin | 3.20% | 30th pct | 15th pct |
| Cost of funds | 1.17% | 29th pct | 79th pct |
| Loan-to-share | 54.86% | 7th pct | 59th pct |
| Delinquency 60+ days | 0.48% | 37th pct | 33th pct |
| Net charge-off ratio | 0.83% | 81th pct | 67th pct |
| Loan growth YoY | -1.09% | 26th pct | 57th pct |
| Share growth YoY | 1.03% | 14th pct | 23th pct |
| Efficiency ratio | 91.16% | 93th pct | 70th pct |
structural peer set hash: 19677f358ea798ee2d3087efcd753df0… (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.