FIRST ALLIANCE
Charter #62872 · Rochester, MN · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 3.10% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 7.40% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.61% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.27% sits at the 92nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.58% sits at the 77th percentile of structural peers — worth a closer look.
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 ALLIANCE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $335.00M | 79th pct | 57th pct |
| Members | 21,663 | 82th pct | 57th pct |
| Net worth ratio | 10.44% | 33th pct | 52th pct |
| Return on average assets | 3.10% | 100th pct | 97th pct |
| Net interest margin | 7.40% | 100th pct | 98th pct |
| Cost of funds | 0.61% | 23th pct | 18th pct |
| Loan-to-share | 85.82% | 80th pct | 69th pct |
| Delinquency 60+ days | 1.27% | 85th pct | 92th pct |
| Net charge-off ratio | 0.58% | 71th pct | 77th pct |
| Loan growth YoY | 6.61% | 93th pct | 85th pct |
| Share growth YoY | 15.03% | 99th pct | 93th pct |
| Efficiency ratio | 60.42% | 9th pct | 10th pct |
structural peer set hash: 9ced84684ca20ea360957aa032b8273e… (reproducible)
Closest structural peers
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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.