FIRST SOURCE
Charter #2658 · New Hartford, NY · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.88% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.81% sits at the 80th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.99% sits at the 87th percentile of structural peers — worth a closer look.
- Efficiency ratio of 67.60% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 13th percentile but its structural peers at the 46th — a 33-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 SOURCE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.12B | 8th pct | 34th pct |
| Members | 64,151 | 13th pct | 46th pct |
| Net worth ratio | 10.12% | 35th pct | 44th pct |
| Return on average assets | 0.74% | 52th pct | 69th pct |
| Net interest margin | 4.88% | 99th pct | 98th pct |
| Cost of funds | 1.82% | 52th pct | 46th pct |
| Loan-to-share | 103.31% | 95th pct | 87th pct |
| Delinquency 60+ days | 0.81% | 68th pct | 80th pct |
| Net charge-off ratio | 0.99% | 83th pct | 87th pct |
| Loan growth YoY | 0.79% | 37th pct | 32th pct |
| Share growth YoY | 4.28% | 55th pct | 76th pct |
| Efficiency ratio | 67.60% | 31th pct | 13th pct |
structural peer set hash: c88a7d205b8f33f8b80b0f2ec8acf572… (reproducible)
Closest structural peers
This is the free public view
Claim FIRST SOURCE
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.