FIRST
Charter #68444 · Chandler, AZ · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.51% sits at the 16th percentile of structural peers — worth a closer look.
- Return on average assets of 0.15% sits at the 7th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.47% sits at the 97th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 59th percentile but its structural peers at the 43rd — a 16-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 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $785.76M | 66th pct | 57th pct |
| Members | 44,401 | 59th pct | 43th pct |
| Net worth ratio | 9.51% | 29th pct | 16th pct |
| Return on average assets | 0.15% | 12th pct | 7th pct |
| Net interest margin | 3.70% | 68th pct | 54th pct |
| Cost of funds | 1.39% | 44th pct | 49th pct |
| Loan-to-share | 71.26% | 24th pct | 34th pct |
| Delinquency 60+ days | 0.44% | 35th pct | 28th pct |
| Net charge-off ratio | 1.47% | 95th pct | 97th pct |
| Loan growth YoY | 2.71% | 70th pct | 74th pct |
| Share growth YoY | 2.35% | 26th pct | 21th pct |
| Efficiency ratio | 79.04% | 54th pct | 64th pct |
structural peer set hash: 15e9154879053ef82b055a553a41c2e4… (reproducible)
Closest structural peers
This is the free public view
Claim FIRST
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.