CORRECTIONS
Charter #13254 · Soledad, CA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.31% sits at the 7th percentile of structural peers — worth a closer look.
- Return on average assets of -1.06% sits at the 3rd percentile of structural peers — worth a closer look.
- Net interest margin of 5.17% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 114.21% sits at the 97th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 86th percentile but its structural peers at the 64th — a 22-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 | CORRECTIONS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $36.39M | 75th pct | 69th pct |
| Members | 3,620 | 86th pct | 64th pct |
| Net worth ratio | 8.31% | 6th pct | 7th pct |
| Return on average assets | -1.06% | 6th pct | 3th pct |
| Net interest margin | 5.17% | 94th pct | 89th pct |
| Cost of funds | 0.72% | 44th pct | 36th pct |
| Loan-to-share | 75.34% | 78th pct | 59th pct |
| Delinquency 60+ days | 0.51% | 46th pct | 38th pct |
| Net charge-off ratio | 0.06% | 43th pct | 31th pct |
| Loan growth YoY | 0.48% | 74th pct | 62th pct |
| Share growth YoY | 5.43% | 77th pct | 67th pct |
| Efficiency ratio | 114.21% | 96th pct | 97th pct |
structural peer set hash: 95eae6a49d87592692ace307e19fd5fc… (reproducible)
Closest structural peers
This is the free public view
Claim CORRECTIONS
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.