FIRST FINANCIAL
Charter #68244 · Albuquerque, NM · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.33% sits at the 7th percentile of structural peers — worth a closer look.
- Return on average assets of -0.10% sits at the 3rd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.13% sits at the 79th percentile of structural peers — worth a closer look.
- Efficiency ratio of 88.51% sits at the 90th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 9th percentile but its structural peers at the 57th — a 48-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 FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.13B | 9th pct | 57th pct |
| Members | 99,409 | 41th pct | 74th pct |
| Net worth ratio | 8.33% | 5th pct | 7th pct |
| Return on average assets | -0.10% | 2th pct | 3th pct |
| Net interest margin | 3.70% | 73th pct | 62th pct |
| Cost of funds | 1.30% | 29th pct | 43th pct |
| Loan-to-share | 71.06% | 17th pct | 30th pct |
| Delinquency 60+ days | 1.13% | 84th pct | 79th pct |
| Net charge-off ratio | 0.92% | 79th pct | 70th pct |
| Loan growth YoY | 4.53% | 77th pct | 87th pct |
| Share growth YoY | 5.11% | 66th pct | 72th pct |
| Efficiency ratio | 88.51% | 95th pct | 90th pct |
structural peer set hash: 4902cb7b5c61229ebc017eec8050d4e2… (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.