COMMUNITY FIRST
Charter #61667 · Santa Rosa, CA · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.12% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.96% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.33% sits at the 92nd percentile of structural peers — worth a closer look.
- Efficiency ratio of 72.93% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 88th percentile but its structural peers at the 46th — a 42-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 | $922.09M | 88th pct | 46th pct |
| Members | 58,012 | 85th pct | 54th pct |
| Net worth ratio | 9.94% | 41th pct | 34th pct |
| Return on average assets | 1.12% | 79th pct | 87th pct |
| Net interest margin | 3.96% | 82th pct | 90th pct |
| Cost of funds | 1.41% | 45th pct | 36th pct |
| Loan-to-share | 78.84% | 42th pct | 36th pct |
| Delinquency 60+ days | 1.33% | 91th pct | 92th pct |
| Net charge-off ratio | 0.66% | 72th pct | 67th pct |
| Loan growth YoY | -5.28% | 2th pct | 2th pct |
| Share growth YoY | 0.50% | 9th pct | 13th pct |
| Efficiency ratio | 72.93% | 27th pct | 23th pct |
structural peer set hash: 3fcae516d493139bd85aca5689883a7c… (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.