FINANCIAL CENTER FIRST
Charter #68658 · Indianapolis, IN · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.27% sits at the 13th percentile of structural peers — worth a closer look.
- Efficiency ratio of 89.42% sits at the 93rd 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 56th — a 38-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 | FINANCIAL CENTER FIRST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $952.63M | 94th pct | 56th pct |
| Members | 56,289 | 82th pct | 52th pct |
| Net worth ratio | 11.14% | 61th pct | 59th pct |
| Return on average assets | 0.27% | 20th pct | 13th pct |
| Net interest margin | 3.67% | 65th pct | 57th pct |
| Cost of funds | 1.62% | 63th pct | 57th pct |
| Loan-to-share | 78.85% | 42th pct | 38th pct |
| Delinquency 60+ days | 0.66% | 57th pct | 62th pct |
| Net charge-off ratio | 0.40% | 48th pct | 54th pct |
| Loan growth YoY | 11.99% | 96th pct | 97th pct |
| Share growth YoY | 5.61% | 76th pct | 75th pct |
| Efficiency ratio | 89.42% | 89th pct | 93th pct |
structural peer set hash: 6a6f53250cf2569693809c112cfc3d51… (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.