FIRST COMMUNITY
Charter #66818 · Houston, TX · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.09% sits at the 5th percentile of structural peers — worth a closer look.
- Net interest margin of 2.84% sits at the 7th percentile of structural peers — worth a closer look.
- On Net charge-off ratio, the asset-size band puts this credit union at the 50th percentile but its structural peers at the 30th — a 20-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 COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.96B | 64th pct | 64th pct |
| Members | 186,819 | 71th pct | 67th pct |
| Net worth ratio | 8.09% | 3th pct | 5th pct |
| Return on average assets | 0.89% | 64th pct | 61th pct |
| Net interest margin | 2.84% | 18th pct | 7th pct |
| Cost of funds | 1.63% | 43th pct | 38th pct |
| Loan-to-share | 108.75% | 98th pct | 93th pct |
| Delinquency 60+ days | 0.40% | 25th pct | 26th pct |
| Net charge-off ratio | 0.51% | 50th pct | 30th pct |
| Loan growth YoY | 0.05% | 27th pct | 21th pct |
| Share growth YoY | 2.50% | 23th pct | 16th pct |
| Efficiency ratio | 74.27% | 56th pct | 56th pct |
structural peer set hash: 23e0c5107a78de93a9ea01621c6cc0f6… (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.