1ST CLASS EXPRESS
Charter #67022 · WAUKESHA, WI · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -1.34% sits at the 16th percentile of structural peers — worth a closer look.
- Net interest margin of 5.65% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.68% sits at the 80th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.40% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 112.12% sits at the 92nd percentile of structural peers — worth a closer look.
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 CLASS EXPRESS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.05M | 30th pct | 21th pct |
| Members | 626 | 54th pct | 48th pct |
| Net worth ratio | 24.28% | 73th pct | 64th pct |
| Return on average assets | -1.34% | 14th pct | 16th pct |
| Net interest margin | 5.65% | 87th pct | 79th pct |
| Cost of funds | 1.68% | 82th pct | 80th pct |
| Loan-to-share | 86.03% | 84th pct | 64th pct |
| Delinquency 60+ days | 1.31% | 58th pct | 56th pct |
| Net charge-off ratio | -0.40% | 8th pct | 3th pct |
| Loan growth YoY | -0.21% | 73th pct | 77th pct |
| Share growth YoY | -4.29% | 20th pct | 13th pct |
| Efficiency ratio | 112.12% | 83th pct | 92th pct |
structural peer set hash: a9e939d15c933d0be7c2292aa2d37d26… (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.