FARMERS INSURANCE
Charter #1074 · Burbank, CA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.65% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 2.48% sits at the 87th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.31% sits at the 97th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.38% sits at the 97th percentile of structural peers — worth a closer look.
- On Efficiency ratio, the asset-size band puts this credit union at the 70th percentile but its structural peers at the 36th — a 34-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 | FARMERS INSURANCE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.37B | 23th pct | 52th pct |
| Members | 63,748 | 13th pct | 46th pct |
| Net worth ratio | 9.54% | 22th pct | 44th pct |
| Return on average assets | 0.37% | 18th pct | 30th pct |
| Net interest margin | 4.65% | 98th pct | 98th pct |
| Cost of funds | 2.48% | 85th pct | 87th pct |
| Loan-to-share | 100.46% | 91th pct | 80th pct |
| Delinquency 60+ days | 1.31% | 89th pct | 97th pct |
| Net charge-off ratio | 1.38% | 95th pct | 97th pct |
| Loan growth YoY | -5.02% | 2th pct | 2th pct |
| Share growth YoY | 0.71% | 8th pct | 18th pct |
| Efficiency ratio | 77.83% | 70th pct | 36th pct |
structural peer set hash: ac84aceb78eaf02e5dae71f78f51b19b… (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.