FONTANA
Charter #12898 · Fontana, CA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.72% sits at the 8th percentile of structural peers — worth a closer look.
- Return on average assets of 0.11% sits at the 13th percentile of structural peers — worth a closer look.
- Net interest margin of 2.97% sits at the 25th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.38% sits at the 82nd percentile of structural peers — worth a closer look.
- Efficiency ratio of 96.28% sits at the 87th percentile of structural peers — worth a closer look.
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 | FONTANA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $17.23M | 28th pct | 61th pct |
| Members | 1,429 | 22th pct | 51th pct |
| Net worth ratio | 8.72% | 9th pct | 8th pct |
| Return on average assets | 0.11% | 22th pct | 13th pct |
| Net interest margin | 2.97% | 15th pct | 25th pct |
| Cost of funds | 1.04% | 61th pct | 66th pct |
| Loan-to-share | 42.86% | 25th pct | 39th pct |
| Delinquency 60+ days | 1.38% | 76th pct | 82th pct |
| Net charge-off ratio | 0.00% | 23th pct | 28th pct |
| Loan growth YoY | -6.79% | 19th pct | 28th pct |
| Share growth YoY | 2.90% | 54th pct | 54th pct |
| Efficiency ratio | 96.28% | 85th pct | 87th pct |
structural peer set hash: 68eba40f9f4d160db2c39d4e06e2e30e… (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.