GOLDEN VALLEY
Charter #11652 · Manteca, CA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net charge-off ratio of 2.01% sits at the 97th percentile of structural peers — worth a closer look.
- Efficiency ratio of 63.22% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 81st percentile but its structural peers at the 56th — 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 | GOLDEN VALLEY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $39.42M | 81th pct | 56th pct |
| Members | 3,304 | 82th pct | 59th pct |
| Net worth ratio | 11.34% | 30th pct | 39th pct |
| Return on average assets | 0.54% | 44th pct | 54th pct |
| Net interest margin | 4.35% | 73th pct | 61th pct |
| Cost of funds | 0.32% | 22th pct | 26th pct |
| Loan-to-share | 64.14% | 61th pct | 64th pct |
| Delinquency 60+ days | 0.50% | 46th pct | 39th pct |
| Net charge-off ratio | 2.01% | 95th pct | 97th pct |
| Loan growth YoY | -3.65% | 41th pct | 36th pct |
| Share growth YoY | -1.16% | 18th pct | 20th pct |
| Efficiency ratio | 63.22% | 15th pct | 2th pct |
structural peer set hash: 3813730d69418674e6c3780062300edb… (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.