FIRST COMMUNITY
Charter #68530 · Coquille, OR · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 13.28% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.50% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.11% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.05% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.03% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
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 COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.81B | 41th pct | 66th pct |
| Members | 88,287 | 34th pct | 62th pct |
| Net worth ratio | 13.28% | 85th pct | 82th pct |
| Return on average assets | 1.50% | 93th pct | 95th pct |
| Net interest margin | 3.63% | 69th pct | 70th pct |
| Cost of funds | 0.11% | 3th pct | 3th pct |
| Loan-to-share | 85.09% | 45th pct | 41th pct |
| Delinquency 60+ days | 0.05% | 0th pct | 0th pct |
| Net charge-off ratio | 0.03% | 2th pct | 2th pct |
| Loan growth YoY | 12.83% | 96th pct | 98th pct |
| Share growth YoY | 1.88% | 17th pct | 10th pct |
| Efficiency ratio | 66.80% | 27th pct | 18th pct |
structural peer set hash: 62dfa065a96bd71d47c55c77b18b5268… (reproducible)
Closest structural peers
This is the free public view
Claim FIRST COMMUNITY
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.