FIRSTMARK
Charter #62509 · San Antonio, TX · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.31% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 18th percentile but its structural peers at the 64th — a 46-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 | FIRSTMARK | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.27B | 18th pct | 64th pct |
| Members | 89,089 | 35th pct | 74th pct |
| Net worth ratio | 9.62% | 24th pct | 26th pct |
| Return on average assets | 0.69% | 48th pct | 59th pct |
| Net interest margin | 3.59% | 66th pct | 54th pct |
| Cost of funds | 0.31% | 8th pct | 15th pct |
| Loan-to-share | 69.69% | 14th pct | 23th pct |
| Delinquency 60+ days | 0.71% | 60th pct | 61th pct |
| Net charge-off ratio | 0.98% | 82th pct | 72th pct |
| Loan growth YoY | 4.10% | 75th pct | 84th pct |
| Share growth YoY | 5.17% | 67th pct | 80th pct |
| Efficiency ratio | 75.22% | 59th pct | 38th pct |
structural peer set hash: d3ab0380b064fa069c91e3661e5966cd… (reproducible)
Closest structural peers
This is the free public view
Claim FIRSTMARK
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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.