FIRST PACE
Charter #64089 · West St Paul, MN · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.65% sits at the 11th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 113.39% sits at the 95th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 92nd percentile but its structural peers at the 48th — a 45-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 | FIRST PACE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $8.84M | 92th pct | 48th pct |
| Members | 885 | 76th pct | 43th pct |
| Net worth ratio | 18.79% | 53th pct | 57th pct |
| Return on average assets | -0.65% | 20th pct | 11th pct |
| Net interest margin | 4.59% | 67th pct | 61th pct |
| Cost of funds | 0.70% | 56th pct | 30th pct |
| Loan-to-share | 79.01% | 76th pct | 56th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 22th pct | 23th pct |
| Loan growth YoY | 5.51% | 89th pct | 97th pct |
| Share growth YoY | -3.70% | 24th pct | 15th pct |
| Efficiency ratio | 113.39% | 84th pct | 95th pct |
structural peer set hash: 90bf84f811f2215bca81c0d655af521c… (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.