NOVO
Charter #15784 · Norco, CA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.43% sits at the 23rd percentile of structural peers — worth a closer look.
- Net interest margin of 5.66% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.40% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 90.87% sits at the 87th percentile of structural peers — worth a closer look.
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 | NOVO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $20.77M | 37th pct | 39th pct |
| Members | 2,323 | 58th pct | 56th pct |
| Net worth ratio | 13.09% | 45th pct | 44th pct |
| Return on average assets | 0.43% | 37th pct | 23th pct |
| Net interest margin | 5.66% | 97th pct | 97th pct |
| Cost of funds | 0.40% | 26th pct | 11th pct |
| Loan-to-share | 71.84% | 73th pct | 52th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.29% | 61th pct | 61th pct |
| Loan growth YoY | 4.08% | 90th pct | 85th pct |
| Share growth YoY | 5.77% | 79th pct | 41th pct |
| Efficiency ratio | 90.87% | 75th pct | 87th pct |
structural peer set hash: 9cbe849c0ec0d1d74d81698960200bdb… (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.