FAMILY COMMUNITY
Charter #64067 · Charles City, IA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 0.12% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- On Cost of funds, the asset-size band puts this credit union at the 40th percentile but its structural peers at the 57th — a 18-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 | FAMILY COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $26.41M | 53th pct | 49th pct |
| Members | 2,032 | 47th pct | 49th pct |
| Net worth ratio | 11.85% | 35th pct | 31th pct |
| Return on average assets | 0.98% | 67th pct | 56th pct |
| Net interest margin | 3.38% | 29th pct | 31th pct |
| Cost of funds | 0.63% | 40th pct | 57th pct |
| Loan-to-share | 37.88% | 18th pct | 31th pct |
| Delinquency 60+ days | 0.12% | 23th pct | 25th pct |
| Net charge-off ratio | 0.00% | 23th pct | 16th pct |
| Loan growth YoY | 3.66% | 90th pct | 92th pct |
| Share growth YoY | 4.04% | 66th pct | 51th pct |
| Efficiency ratio | 73.71% | 34th pct | 38th pct |
structural peer set hash: 4e20ae8471234c4c4494a2d33cd6da6e… (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.