FIRST AMERICAN
Charter #64412 · Casa Grande, AZ · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.12% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.90% sits at the 77th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 8th percentile but its structural peers at the 36th — a 28-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 AMERICAN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $111.75M | 8th pct | 36th pct |
| Members | 11,841 | 43th pct | 70th pct |
| Net worth ratio | 13.31% | 72th pct | 69th pct |
| Return on average assets | 0.88% | 62th pct | 59th pct |
| Net interest margin | 4.00% | 71th pct | 57th pct |
| Cost of funds | 0.12% | 8th pct | 10th pct |
| Loan-to-share | 55.91% | 20th pct | 43th pct |
| Delinquency 60+ days | 0.35% | 27th pct | 38th pct |
| Net charge-off ratio | 0.90% | 86th pct | 77th pct |
| Loan growth YoY | -11.79% | 0th pct | 2th pct |
| Share growth YoY | 2.76% | 39th pct | 38th pct |
| Efficiency ratio | 77.61% | 46th pct | 49th pct |
structural peer set hash: 73a8f8c04d7b2b00d250309e8ccedb2e… (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.