COMMUNITY FIRST
Charter #66642 · Appleton, WI · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 12.78% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.44% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.38% sits at the 7th percentile of structural peers — worth a closer look.
- Cost of funds of 2.78% sits at the 77th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.15% ranks in the 7th 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 | COMMUNITY FIRST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $6.66B | 88th pct | 84th pct |
| Members | 165,633 | 65th pct | 38th pct |
| Net worth ratio | 12.78% | 80th pct | 79th pct |
| Return on average assets | 1.44% | 91th pct | 85th pct |
| Net interest margin | 2.38% | 7th pct | 7th pct |
| Cost of funds | 2.78% | 91th pct | 77th pct |
| Loan-to-share | 85.41% | 46th pct | 31th pct |
| Delinquency 60+ days | 0.15% | 4th pct | 7th pct |
| Net charge-off ratio | 0.09% | 5th pct | 10th pct |
| Loan growth YoY | 4.94% | 82th pct | 85th pct |
| Share growth YoY | 6.41% | 78th pct | 79th pct |
| Efficiency ratio | 49.06% | 2th pct | 3th pct |
structural peer set hash: acb20fcbcac272309f42de446fa9c62f… (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.