FIRST COMMUNITY CU OF BELOIT
Charter #67214 · Beloit, WI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.37% sits at the 13th percentile of structural peers — worth a closer look.
- Cost of funds of 2.80% sits at the 95th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 96th percentile but its structural peers at the 64th — a 32-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 CU OF BELOIT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $421.25M | 92th pct | 66th pct |
| Members | 33,845 | 96th pct | 64th pct |
| Net worth ratio | 10.16% | 30th pct | 39th pct |
| Return on average assets | 0.80% | 57th pct | 48th pct |
| Net interest margin | 3.37% | 33th pct | 13th pct |
| Cost of funds | 2.80% | 98th pct | 95th pct |
| Loan-to-share | 101.26% | 99th pct | 97th pct |
| Delinquency 60+ days | 0.66% | 54th pct | 57th pct |
| Net charge-off ratio | 0.41% | 55th pct | 38th pct |
| Loan growth YoY | 2.39% | 70th pct | 49th pct |
| Share growth YoY | 6.58% | 85th pct | 69th pct |
| Efficiency ratio | 78.92% | 51th pct | 67th pct |
structural peer set hash: c8285808524ea107b977ef8f48ba9980… (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.