FIRST COMMUNITY
Charter #60103 · Jamestown, ND · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.58% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.05% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 33rd percentile but its structural peers at the 62nd — a 29-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 COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.53B | 33th pct | 62th pct |
| Members | 46,705 | 2th pct | 26th pct |
| Net worth ratio | 12.08% | 72th pct | 74th pct |
| Return on average assets | 0.73% | 50th pct | 59th pct |
| Net interest margin | 3.15% | 38th pct | 44th pct |
| Cost of funds | 0.58% | 13th pct | 13th pct |
| Loan-to-share | 94.84% | 79th pct | 66th pct |
| Delinquency 60+ days | 0.47% | 34th pct | 39th pct |
| Net charge-off ratio | 0.05% | 2th pct | 5th pct |
| Loan growth YoY | 5.08% | 82th pct | 85th pct |
| Share growth YoY | 3.76% | 43th pct | 54th pct |
| Efficiency ratio | 78.08% | 71th pct | 48th pct |
structural peer set hash: 1728259f49262e46aab46485206dad4b… (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.