FIRST COMMUNITY
Charter #67619 · Chesterfield, MO · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 347,799 ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 8.43% sits at the 10th percentile of structural peers — worth a closer look.
- Net interest margin of 2.67% sits at the 2nd percentile of structural peers — worth a closer look.
- Cost of funds of 2.29% sits at the 85th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.41% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
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 | $4.99B | 81th pct | 90th pct |
| Members | 347,799 | 87th pct | 95th pct |
| Net worth ratio | 8.43% | 6th pct | 10th pct |
| Return on average assets | 0.85% | 61th pct | 57th pct |
| Net interest margin | 2.67% | 14th pct | 2th pct |
| Cost of funds | 2.29% | 78th pct | 85th pct |
| Loan-to-share | 73.77% | 20th pct | 25th pct |
| Delinquency 60+ days | 0.46% | 33th pct | 31th pct |
| Net charge-off ratio | 0.41% | 35th pct | 18th pct |
| Loan growth YoY | 0.19% | 30th pct | 30th pct |
| Share growth YoY | 5.23% | 67th pct | 62th pct |
| Efficiency ratio | 67.46% | 31th pct | 21th pct |
structural peer set hash: cd7012da6ed2fbcbb53da37d0aa98bcb… (reproducible)
Closest structural peers
This is the free public view
Claim FIRST COMMUNITY
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.