COUNTY SCHOOLS
Charter #13495 · Ventura, CA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.42% sits at the 16th percentile of structural peers — worth a closer look.
- Return on average assets of 0.10% sits at the 25th percentile of structural peers — worth a closer look.
- Net interest margin of 2.86% sits at the 11th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.56% sits at the 79th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 86th percentile but its structural peers at the 56th — a 30-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 | COUNTY SCHOOLS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $91.47M | 86th pct | 56th pct |
| Members | 4,643 | 42th pct | 49th pct |
| Net worth ratio | 8.42% | 5th pct | 16th pct |
| Return on average assets | 0.10% | 17th pct | 25th pct |
| Net interest margin | 2.86% | 12th pct | 11th pct |
| Cost of funds | 1.48% | 79th pct | 59th pct |
| Loan-to-share | 71.92% | 71th pct | 51th pct |
| Delinquency 60+ days | 1.27% | 80th pct | 70th pct |
| Net charge-off ratio | 0.56% | 74th pct | 79th pct |
| Loan growth YoY | -13.55% | 1th pct | 0th pct |
| Share growth YoY | -3.56% | 4th pct | 3th pct |
| Efficiency ratio | 91.02% | 83th pct | 72th pct |
structural peer set hash: 8f014bcff1117491dbd872c1a636a9e8… (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.