MISSION CITY
Charter #13131 · Santa Clara, CA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 4,517 sits at the 0th percentile of structural peers — worth a closer look.
- Net worth ratio of 8.51% sits at the 11th percentile of structural peers — worth a closer look.
- Cost of funds of 1.76% sits at the 79th percentile of structural peers — worth a closer look.
- On Efficiency ratio, the asset-size band puts this credit union at the 54th percentile but its structural peers at the 26th — a 27-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 | MISSION CITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $164.30M | 37th pct | 25th pct |
| Members | 4,517 | 3th pct | 0th pct |
| Net worth ratio | 8.51% | 8th pct | 11th pct |
| Return on average assets | 0.58% | 41th pct | 61th pct |
| Net interest margin | 3.56% | 44th pct | 30th pct |
| Cost of funds | 1.76% | 79th pct | 79th pct |
| Loan-to-share | 83.31% | 76th pct | 66th pct |
| Delinquency 60+ days | 0.50% | 41th pct | 34th pct |
| Net charge-off ratio | 0.25% | 37th pct | 34th pct |
| Loan growth YoY | 3.60% | 79th pct | 70th pct |
| Share growth YoY | 3.17% | 45th pct | 62th pct |
| Efficiency ratio | 79.67% | 54th pct | 26th pct |
structural peer set hash: be4a1ca54c58fe0a026876ca7bd36b3e… (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.