ACT 1ST
Charter #6679 · LaVale, MD · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 7.78% sits at the 5th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.02% sits at the 84th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 31st percentile but its structural peers at the 56th — a 25-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 | ACT 1ST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $150.35M | 31th pct | 56th pct |
| Members | 12,048 | 44th pct | 57th pct |
| Net worth ratio | 7.78% | 2th pct | 5th pct |
| Return on average assets | 0.47% | 34th pct | 41th pct |
| Net interest margin | 3.95% | 69th pct | 54th pct |
| Cost of funds | 1.43% | 63th pct | 66th pct |
| Loan-to-share | 76.88% | 60th pct | 61th pct |
| Delinquency 60+ days | 1.02% | 77th pct | 84th pct |
| Net charge-off ratio | 0.83% | 85th pct | 70th pct |
| Loan growth YoY | -1.29% | 32th pct | 26th pct |
| Share growth YoY | 4.60% | 66th pct | 61th pct |
| Efficiency ratio | 75.24% | 39th pct | 36th pct |
structural peer set hash: 78ee6f46927f0061c3347a9e7d75bba2… (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.