1ST ADVANTAGE
Charter #7448 · Newport News, VA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 16.31% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.70% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.49% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.44% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 63.65% ranks in the 10th 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 | 1ST ADVANTAGE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.08B | 4th pct | 39th pct |
| Members | 71,346 | 19th pct | 49th pct |
| Net worth ratio | 16.31% | 96th pct | 93th pct |
| Return on average assets | 1.70% | 96th pct | 95th pct |
| Net interest margin | 4.49% | 96th pct | 92th pct |
| Cost of funds | 0.99% | 20th pct | 26th pct |
| Loan-to-share | 86.01% | 48th pct | 59th pct |
| Delinquency 60+ days | 0.44% | 31th pct | 18th pct |
| Net charge-off ratio | 0.42% | 37th pct | 36th pct |
| Loan growth YoY | -2.62% | 6th pct | 3th pct |
| Share growth YoY | 2.78% | 26th pct | 23th pct |
| Efficiency ratio | 63.65% | 21th pct | 10th pct |
structural peer set hash: 5f56e136fe740cef549e5ce8f4d419b6… (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.