1ST COMMUNITY
Charter #67012 · Sparta, WI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.28% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.14% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 70.80% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 80th percentile but its structural peers at the 49th — a 30-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 | 1ST COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $284.79M | 71th pct | 56th pct |
| Members | 15,743 | 62th pct | 51th pct |
| Net worth ratio | 9.60% | 22th pct | 31th pct |
| Return on average assets | 1.28% | 82th pct | 92th pct |
| Net interest margin | 3.84% | 63th pct | 64th pct |
| Cost of funds | 1.73% | 78th pct | 56th pct |
| Loan-to-share | 85.40% | 80th pct | 49th pct |
| Delinquency 60+ days | 0.76% | 62th pct | 66th pct |
| Net charge-off ratio | 0.14% | 24th pct | 25th pct |
| Loan growth YoY | -1.23% | 33th pct | 13th pct |
| Share growth YoY | 5.35% | 74th pct | 72th pct |
| Efficiency ratio | 70.80% | 26th pct | 13th pct |
structural peer set hash: 5058eb89b41d19e46b8e528b762cb135… (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.