SONOMA
Charter #14415 · Santa Rosa, CA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,791 sits at the 5th percentile of structural peers — worth a closer look.
- Return on average assets of 1.56% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 2.97% sits at the 95th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 59.79% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
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 | SONOMA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $80.09M | 68th pct | 38th pct |
| Members | 1,791 | 1th pct | 5th pct |
| Net worth ratio | 13.03% | 52th pct | 67th pct |
| Return on average assets | 1.56% | 87th pct | 97th pct |
| Net interest margin | 3.23% | 25th pct | 49th pct |
| Cost of funds | 2.97% | 99th pct | 95th pct |
| Loan-to-share | 79.27% | 82th pct | 56th pct |
| Delinquency 60+ days | 0.78% | 60th pct | 66th pct |
| Net charge-off ratio | 0.00% | 14th pct | 16th pct |
| Loan growth YoY | 0.03% | 65th pct | 62th pct |
| Share growth YoY | -2.42% | 6th pct | 13th pct |
| Efficiency ratio | 59.79% | 10th pct | 5th pct |
structural peer set hash: 015219960973247bf8a4ec848297f246… (reproducible)
Closest structural peers
This is the free public view
Claim SONOMA
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.