BEFIT FINANCIAL
Charter #11943 · Vacaville, CA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.69% sits at the 23rd percentile of structural peers — worth a closer look.
- Cost of funds of 0.38% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.23% sits at the 82nd percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 81st percentile but its structural peers at the 41st — a 40-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 | BEFIT FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $39.34M | 81th pct | 41th pct |
| Members | 2,377 | 60th pct | 41th pct |
| Net worth ratio | 9.69% | 16th pct | 23th pct |
| Return on average assets | 0.42% | 37th pct | 36th pct |
| Net interest margin | 3.60% | 38th pct | 62th pct |
| Cost of funds | 0.38% | 25th pct | 20th pct |
| Loan-to-share | 54.61% | 46th pct | 46th pct |
| Delinquency 60+ days | 1.23% | 73th pct | 82th pct |
| Net charge-off ratio | 0.31% | 63th pct | 74th pct |
| Loan growth YoY | -8.92% | 10th pct | 7th pct |
| Share growth YoY | 0.60% | 32th pct | 43th pct |
| Efficiency ratio | 88.20% | 70th pct | 72th pct |
structural peer set hash: 780421e0a8d7bc3c370947304c64000e… (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.