COMMUNITY FIRST
Charter #61094 · Ashtabula, OH · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 13.72% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.32% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.43% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 72.46% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- On Net worth ratio, the asset-size band puts this credit union at the 60th percentile but its structural peers at the 75th — a 16-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 | COMMUNITY FIRST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $98.68M | 99th pct | 89th pct |
| Members | 4,956 | 49th pct | 51th pct |
| Net worth ratio | 13.72% | 60th pct | 75th pct |
| Return on average assets | 1.32% | 79th pct | 84th pct |
| Net interest margin | 3.81% | 55th pct | 66th pct |
| Cost of funds | 0.92% | 51th pct | 59th pct |
| Loan-to-share | 55.44% | 41th pct | 46th pct |
| Delinquency 60+ days | 1.21% | 79th pct | 74th pct |
| Net charge-off ratio | -0.43% | 1th pct | 0th pct |
| Loan growth YoY | 4.37% | 90th pct | 87th pct |
| Share growth YoY | 3.32% | 56th pct | 61th pct |
| Efficiency ratio | 72.46% | 30th pct | 18th pct |
structural peer set hash: 749be07f33a6ffbba3e32199117a54cb… (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.