MARIN COUNTY
Charter #15659 · SAN RAFAEL, CA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.49% sits at the 3rd percentile of structural peers — worth a closer look.
- Cost of funds of 1.24% sits at the 82nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.05% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 67.52% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 2nd percentile but its structural peers at the 59th — a 57-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 | MARIN COUNTY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $102.20M | 2th pct | 59th pct |
| Members | 4,123 | 2th pct | 39th pct |
| Net worth ratio | 12.02% | 57th pct | 54th pct |
| Return on average assets | 0.72% | 51th pct | 51th pct |
| Net interest margin | 2.49% | 4th pct | 3th pct |
| Cost of funds | 1.24% | 51th pct | 82th pct |
| Loan-to-share | 29.43% | 2th pct | 20th pct |
| Delinquency 60+ days | 0.92% | 73th pct | 64th pct |
| Net charge-off ratio | -0.05% | 1th pct | 10th pct |
| Loan growth YoY | -4.14% | 10th pct | 34th pct |
| Share growth YoY | 3.79% | 55th pct | 72th pct |
| Efficiency ratio | 67.52% | 20th pct | 20th pct |
structural peer set hash: 84a7cd7ffbb68cb3ce703a3871e0f419… (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.