CITY OF FIRSTS COMMUNITY
Charter #3012 · Kokomo, IN · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.72% sits at the 16th percentile of structural peers — worth a closer look.
- Return on average assets of -0.01% sits at the 8th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.14% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 101.31% sits at the 93rd percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 83rd percentile but its structural peers at the 52nd — 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 | CITY OF FIRSTS COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $40.07M | 83th pct | 52th pct |
| Members | 3,550 | 86th pct | 66th pct |
| Net worth ratio | 9.72% | 16th pct | 16th pct |
| Return on average assets | -0.01% | 18th pct | 8th pct |
| Net interest margin | 3.78% | 46th pct | 62th pct |
| Cost of funds | 0.42% | 27th pct | 43th pct |
| Loan-to-share | 29.09% | 9th pct | 21th pct |
| Delinquency 60+ days | 0.14% | 25th pct | 18th pct |
| Net charge-off ratio | 0.10% | 47th pct | 44th pct |
| Loan growth YoY | -5.16% | 29th pct | 38th pct |
| Share growth YoY | 9.71% | 95th pct | 97th pct |
| Efficiency ratio | 101.31% | 90th pct | 93th pct |
structural peer set hash: db6d2f96f80f381aa52618a1c88a9a5c… (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.