FIRST U.S. COMMUNITY
Charter #68474 · Sacramento, CA · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 27,555 sits at the 3rd percentile of structural peers — worth a closer look.
- Return on average assets of -0.27% sits at the 0th percentile of structural peers — worth a closer look.
- Net interest margin of 3.07% sits at the 21st percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.82% sits at the 93rd percentile of structural peers — worth a closer look.
- Efficiency ratio of 84.61% sits at the 84th percentile of structural peers — worth a closer look.
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 U.S. COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $554.17M | 15th pct | 7th pct |
| Members | 27,555 | 11th pct | 3th pct |
| Net worth ratio | 11.66% | 69th pct | 64th pct |
| Return on average assets | -0.27% | 3th pct | 0th pct |
| Net interest margin | 3.07% | 23th pct | 21th pct |
| Cost of funds | 1.42% | 46th pct | 46th pct |
| Loan-to-share | 71.70% | 25th pct | 25th pct |
| Delinquency 60+ days | 0.71% | 62th pct | 72th pct |
| Net charge-off ratio | 0.82% | 80th pct | 93th pct |
| Loan growth YoY | 1.57% | 56th pct | 44th pct |
| Share growth YoY | 2.00% | 22th pct | 23th pct |
| Efficiency ratio | 84.61% | 77th pct | 84th pct |
structural peer set hash: ae6288a27eaf599efb62a69d5c9f0cc8… (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.