RANCHO
Charter #1204 · DOWNEY, CA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 6,989 sits at the 25th percentile of structural peers — worth a closer look.
- Net worth ratio of 8.42% sits at the 11th percentile of structural peers — worth a closer look.
- Net interest margin of 4.29% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.36% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.12% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
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 | RANCHO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $110.31M | 7th pct | 16th pct |
| Members | 6,989 | 11th pct | 25th pct |
| Net worth ratio | 8.42% | 6th pct | 11th pct |
| Return on average assets | 0.52% | 37th pct | 43th pct |
| Net interest margin | 4.29% | 84th pct | 93th pct |
| Cost of funds | 0.36% | 15th pct | 11th pct |
| Loan-to-share | 61.13% | 29th pct | 38th pct |
| Delinquency 60+ days | 0.12% | 8th pct | 15th pct |
| Net charge-off ratio | -0.02% | 3th pct | 5th pct |
| Loan growth YoY | -2.20% | 23th pct | 34th pct |
| Share growth YoY | 1.29% | 20th pct | 23th pct |
| Efficiency ratio | 90.96% | 87th pct | 82th pct |
structural peer set hash: 5dc0ab127024b9208044c250866ddccf… (reproducible)
Closest structural peers
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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.