1ST UNITED
Charter #63958 · Pleasanton, CA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 0.14% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.27% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 11th percentile but its structural peers at the 51st — a 40-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 | 1ST UNITED | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.25B | 16th pct | 52th pct |
| Members | 61,429 | 11th pct | 51th pct |
| Net worth ratio | 12.05% | 72th pct | 70th pct |
| Return on average assets | 0.77% | 55th pct | 69th pct |
| Net interest margin | 3.45% | 56th pct | 46th pct |
| Cost of funds | 1.24% | 28th pct | 33th pct |
| Loan-to-share | 73.26% | 19th pct | 39th pct |
| Delinquency 60+ days | 0.14% | 4th pct | 2th pct |
| Net charge-off ratio | 0.27% | 20th pct | 10th pct |
| Loan growth YoY | -2.22% | 8th pct | 8th pct |
| Share growth YoY | 1.50% | 14th pct | 21th pct |
| Efficiency ratio | 76.33% | 64th pct | 41th pct |
structural peer set hash: dc0201543c364f1ec65e33dce17d66e7… (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.