KINGS
Charter #10395 · Hanford, CA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.36% sits at the 23rd percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 36th percentile but its structural peers at the 80th — a 44-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 | KINGS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $162.88M | 36th pct | 80th pct |
| Members | 9,664 | 30th pct | 70th pct |
| Net worth ratio | 15.64% | 88th pct | 74th pct |
| Return on average assets | 0.81% | 57th pct | 49th pct |
| Net interest margin | 3.36% | 32th pct | 23th pct |
| Cost of funds | 1.08% | 43th pct | 70th pct |
| Loan-to-share | 64.98% | 36th pct | 54th pct |
| Delinquency 60+ days | 0.45% | 36th pct | 52th pct |
| Net charge-off ratio | 0.35% | 49th pct | 54th pct |
| Loan growth YoY | 2.63% | 72th pct | 82th pct |
| Share growth YoY | 3.26% | 47th pct | 48th pct |
| Efficiency ratio | 72.45% | 30th pct | 34th pct |
structural peer set hash: f571c4f41864d212545ac93177c4177e… (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.