FIRST CITY
Charter #68503 · Pasadena, CA · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 13.35% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.41% sits at the 25th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.69% sits at the 75th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 94th percentile but its structural peers at the 48th — a 46-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 CITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $952.45M | 94th pct | 48th pct |
| Members | 57,810 | 84th pct | 62th pct |
| Net worth ratio | 13.35% | 84th pct | 75th pct |
| Return on average assets | 0.41% | 29th pct | 25th pct |
| Net interest margin | 3.27% | 33th pct | 54th pct |
| Cost of funds | 1.02% | 23th pct | 38th pct |
| Loan-to-share | 55.88% | 8th pct | 21th pct |
| Delinquency 60+ days | 0.56% | 47th pct | 57th pct |
| Net charge-off ratio | 0.69% | 73th pct | 75th pct |
| Loan growth YoY | 3.63% | 80th pct | 82th pct |
| Share growth YoY | 2.60% | 29th pct | 27th pct |
| Efficiency ratio | 78.54% | 52th pct | 59th pct |
structural peer set hash: 8ef1077c61a98bb76e1c33689725d216… (reproducible)
Closest structural peers
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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.