FIRST TRUST
Charter #68596 · Michigan City, IN · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 15,060 ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.28% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.12% sits at the 87th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.01% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 63.68% ranks in the 16th 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 TRUST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $192.61M | 49th pct | 69th pct |
| Members | 15,060 | 59th pct | 77th pct |
| Net worth ratio | 13.03% | 70th pct | 67th pct |
| Return on average assets | 1.28% | 82th pct | 82th pct |
| Net interest margin | 3.33% | 31th pct | 54th pct |
| Cost of funds | 1.02% | 40th pct | 54th pct |
| Loan-to-share | 30.94% | 2th pct | 5th pct |
| Delinquency 60+ days | 1.12% | 81th pct | 87th pct |
| Net charge-off ratio | -0.01% | 3th pct | 5th pct |
| Loan growth YoY | 3.82% | 80th pct | 85th pct |
| Share growth YoY | 6.70% | 86th pct | 87th pct |
| Efficiency ratio | 63.68% | 13th pct | 16th pct |
structural peer set hash: c20ee6ca67bdcfe2cc48725cc754a22a… (reproducible)
Closest structural peers
This is the free public view
Claim FIRST TRUST
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.