EDWARDS
Charter #14830 · Edwards, CA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.75% sits at the 25th percentile of structural peers — worth a closer look.
- Return on average assets of -0.16% sits at the 3rd percentile of structural peers — worth a closer look.
- Efficiency ratio of 98.99% sits at the 98th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 70th percentile but its structural peers at the 51st — a 19-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 | EDWARDS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $278.91M | 70th pct | 51th pct |
| Members | 16,661 | 66th pct | 57th pct |
| Net worth ratio | 8.75% | 11th pct | 25th pct |
| Return on average assets | -0.16% | 5th pct | 3th pct |
| Net interest margin | 3.62% | 47th pct | 57th pct |
| Cost of funds | 0.92% | 34th pct | 39th pct |
| Loan-to-share | 60.56% | 28th pct | 44th pct |
| Delinquency 60+ days | 0.87% | 70th pct | 74th pct |
| Net charge-off ratio | 0.36% | 50th pct | 54th pct |
| Loan growth YoY | 4.85% | 86th pct | 90th pct |
| Share growth YoY | 4.17% | 61th pct | 54th pct |
| Efficiency ratio | 98.99% | 97th pct | 98th pct |
structural peer set hash: 9b84405c5807c63f99d7dcf1994aea65… (reproducible)
Closest structural peers
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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.