1ST COMMUNITY
Charter #8715 · San Angelo, TX · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 13.58% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.31% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 4.85% sits at the 98th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.27% sits at the 93rd percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 86th percentile but its structural peers at the 61st — a 25-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 | 1ST COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $422.16M | 92th pct | 77th pct |
| Members | 23,575 | 86th pct | 61th pct |
| Net worth ratio | 13.58% | 75th pct | 79th pct |
| Return on average assets | 1.31% | 83th pct | 85th pct |
| Net interest margin | 3.90% | 67th pct | 74th pct |
| Cost of funds | 1.19% | 48th pct | 54th pct |
| Loan-to-share | 76.07% | 58th pct | 52th pct |
| Delinquency 60+ days | 4.85% | 100th pct | 98th pct |
| Net charge-off ratio | 1.27% | 94th pct | 93th pct |
| Loan growth YoY | -2.34% | 22th pct | 20th pct |
| Share growth YoY | 3.69% | 54th pct | 52th pct |
| Efficiency ratio | 74.49% | 35th pct | 30th pct |
structural peer set hash: 1af44cf736dc037f6a6fe34d1caed837… (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.