VIDA
Charter #14542 · Ontario, CA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 13.79% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.45% sits at the 25th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.06% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- On Cost of funds, the asset-size band puts this credit union at the 46th percentile but its structural peers at the 62nd — a 17-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 | VIDA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $172.66M | 40th pct | 38th pct |
| Members | 10,151 | 34th pct | 28th pct |
| Net worth ratio | 13.79% | 77th pct | 79th pct |
| Return on average assets | 0.52% | 37th pct | 41th pct |
| Net interest margin | 3.45% | 37th pct | 25th pct |
| Cost of funds | 1.15% | 46th pct | 62th pct |
| Loan-to-share | 58.20% | 23th pct | 39th pct |
| Delinquency 60+ days | 0.06% | 3th pct | 2th pct |
| Net charge-off ratio | 0.55% | 69th pct | 62th pct |
| Loan growth YoY | 4.63% | 85th pct | 87th pct |
| Share growth YoY | 3.92% | 56th pct | 61th pct |
| Efficiency ratio | 83.29% | 67th pct | 57th pct |
structural peer set hash: 805d456cc27fb46e1fabf59073c44e1d… (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.