DIABLO VALLEY
Charter #14409 · Concord, CA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.07% sits at the 23rd percentile of structural peers — worth a closer look.
- Cost of funds of 0.49% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.04% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 104.79% sits at the 87th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 83rd percentile but its structural peers at the 43rd — a 40-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 | DIABLO VALLEY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $40.08M | 83th pct | 43th pct |
| Members | 2,205 | 55th pct | 36th pct |
| Net worth ratio | 10.84% | 25th pct | 38th pct |
| Return on average assets | -0.07% | 16th pct | 23th pct |
| Net interest margin | 3.54% | 36th pct | 62th pct |
| Cost of funds | 0.49% | 32th pct | 16th pct |
| Loan-to-share | 51.62% | 41th pct | 36th pct |
| Delinquency 60+ days | 0.04% | 15th pct | 8th pct |
| Net charge-off ratio | 0.05% | 43th pct | 39th pct |
| Loan growth YoY | -9.32% | 9th pct | 3th pct |
| Share growth YoY | 0.08% | 27th pct | 36th pct |
| Efficiency ratio | 104.79% | 91th pct | 87th pct |
structural peer set hash: fbc324042bd1fc39beb60561ff44d82a… (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.