MISSION
Charter #14384 · San Diego, CA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 12.00% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.46% sits at the 3rd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.15% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.36% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 87th percentile but its structural peers at the 69th — a 18-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 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $7.23B | 89th pct | 74th pct |
| Members | 330,996 | 87th pct | 69th pct |
| Net worth ratio | 12.00% | 71th pct | 77th pct |
| Return on average assets | 0.86% | 62th pct | 61th pct |
| Net interest margin | 2.46% | 8th pct | 3th pct |
| Cost of funds | 2.18% | 71th pct | 72th pct |
| Loan-to-share | 79.73% | 31th pct | 33th pct |
| Delinquency 60+ days | 0.15% | 4th pct | 3th pct |
| Net charge-off ratio | 0.36% | 29th pct | 20th pct |
| Loan growth YoY | 1.99% | 54th pct | 57th pct |
| Share growth YoY | 3.61% | 41th pct | 52th pct |
| Efficiency ratio | 66.88% | 28th pct | 28th pct |
structural peer set hash: 7309104aa6bf2e79790bb13f8f931dad… (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.