COMMUNITY 1ST
Charter #68510 · Ottumwa, IA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 72,400 ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.34% sits at the 23rd percentile of structural peers — worth a closer look.
- Net interest margin of 4.08% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 3.27% sits at the 98th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 20th percentile but its structural peers at the 79th — a 59-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 | COMMUNITY 1ST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.10B | 6th pct | 56th pct |
| Members | 72,400 | 20th pct | 79th pct |
| Net worth ratio | 10.49% | 44th pct | 52th pct |
| Return on average assets | 0.34% | 17th pct | 23th pct |
| Net interest margin | 4.08% | 90th pct | 95th pct |
| Cost of funds | 1.45% | 34th pct | 26th pct |
| Loan-to-share | 93.47% | 74th pct | 67th pct |
| Delinquency 60+ days | 3.27% | 99th pct | 98th pct |
| Net charge-off ratio | 0.22% | 16th pct | 39th pct |
| Loan growth YoY | 0.90% | 39th pct | 35th pct |
| Share growth YoY | 5.74% | 72th pct | 72th pct |
| Efficiency ratio | 77.16% | 67th pct | 46th pct |
structural peer set hash: 1db4845cfe92270aeefd8e3471441d4b… (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.