AMERICA'S FIRST NETWORK
Charter #68680 · East Hartford, CT · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.12% sits at the 10th percentile of structural peers — worth a closer look.
- Net interest margin of 4.03% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.01% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 97.19% sits at the 93rd percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 29th percentile but its structural peers at the 51st — a 22-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 | AMERICA'S FIRST NETWORK | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $105.77M | 5th pct | 11th pct |
| Members | 9,480 | 29th pct | 51th pct |
| Net worth ratio | 10.74% | 39th pct | 41th pct |
| Return on average assets | 0.12% | 12th pct | 10th pct |
| Net interest margin | 4.03% | 73th pct | 75th pct |
| Cost of funds | 1.02% | 39th pct | 48th pct |
| Loan-to-share | 67.38% | 40th pct | 39th pct |
| Delinquency 60+ days | 0.93% | 73th pct | 74th pct |
| Net charge-off ratio | -0.01% | 3th pct | 3th pct |
| Loan growth YoY | 3.43% | 78th pct | 82th pct |
| Share growth YoY | 3.48% | 50th pct | 52th pct |
| Efficiency ratio | 97.19% | 96th pct | 93th pct |
structural peer set hash: 3c0d8d9f63b7f711ec36ddcdc6d2426b… (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.