FIRST CLASS COMMUNITY
Charter #64231 · WEST DES MOINES, IA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 6,870 ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 10.36% sits at the 25th percentile of structural peers — worth a closer look.
- Return on average assets of 1.07% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.85% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.32% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
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 CLASS COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $96.52M | 96th pct | 79th pct |
| Members | 6,870 | 78th pct | 80th pct |
| Net worth ratio | 10.36% | 24th pct | 25th pct |
| Return on average assets | 1.07% | 68th pct | 79th pct |
| Net interest margin | 3.85% | 57th pct | 84th pct |
| Cost of funds | 0.32% | 15th pct | 11th pct |
| Loan-to-share | 42.31% | 17th pct | 36th pct |
| Delinquency 60+ days | 0.40% | 37th pct | 39th pct |
| Net charge-off ratio | 0.29% | 55th pct | 62th pct |
| Loan growth YoY | -4.90% | 19th pct | 18th pct |
| Share growth YoY | 1.82% | 38th pct | 36th pct |
| Efficiency ratio | 73.94% | 34th pct | 33th pct |
structural peer set hash: cd493b42658f52d84c878e80e4100723… (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.