CHAMPIONS FIRST
Charter #67874 · Tallahassee, FL · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 32,930 sits at the 7th percentile of structural peers — worth a closer look.
- Net interest margin of 3.24% sits at the 16th percentile of structural peers — worth a closer look.
- Cost of funds of 0.33% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.04% sits at the 85th percentile of structural peers — worth a closer look.
- On Loan growth YoY, the asset-size band puts this credit union at the 55th percentile but its structural peers at the 35th — a 20-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 | CHAMPIONS FIRST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $535.76M | 11th pct | 13th pct |
| Members | 32,930 | 24th pct | 7th pct |
| Net worth ratio | 10.52% | 52th pct | 61th pct |
| Return on average assets | 0.83% | 62th pct | 61th pct |
| Net interest margin | 3.24% | 32th pct | 16th pct |
| Cost of funds | 0.33% | 11th pct | 18th pct |
| Loan-to-share | 86.85% | 68th pct | 51th pct |
| Delinquency 60+ days | 1.04% | 80th pct | 85th pct |
| Net charge-off ratio | 0.43% | 51th pct | 36th pct |
| Loan growth YoY | 1.43% | 55th pct | 35th pct |
| Share growth YoY | 5.15% | 71th pct | 60th pct |
| Efficiency ratio | 77.60% | 47th pct | 57th pct |
structural peer set hash: 3e164312015f352109aa257bee4290b5… (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.