1ST UNIVERSITY
Charter #67483 · Waco, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 1.57% sits at the 77th percentile of structural peers — worth a closer look.
- Efficiency ratio of 95.01% sits at the 75th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 87th percentile but its structural peers at the 59th — a 27-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 UNIVERSITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $17.77M | 30th pct | 26th pct |
| Members | 1,904 | 42th pct | 43th pct |
| Net worth ratio | 10.38% | 21th pct | 34th pct |
| Return on average assets | 0.19% | 26th pct | 34th pct |
| Net interest margin | 4.14% | 64th pct | 57th pct |
| Cost of funds | 0.92% | 54th pct | 38th pct |
| Loan-to-share | 82.38% | 87th pct | 59th pct |
| Delinquency 60+ days | 1.57% | 79th pct | 77th pct |
| Net charge-off ratio | 0.29% | 62th pct | 67th pct |
| Loan growth YoY | -0.24% | 68th pct | 61th pct |
| Share growth YoY | -2.91% | 9th pct | 8th pct |
| Efficiency ratio | 95.01% | 83th pct | 75th pct |
structural peer set hash: 0d4c2c868ec3aef67431d98eefa5a8dd… (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.