VALLEY AGRICULTURAL
Charter #17841 · SANTA PAULA, CA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- On Total assets, the asset-size band puts this credit union at the 57th percentile but its structural peers at the 34th — a 22-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 | VALLEY AGRICULTURAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.76M | 57th pct | 34th pct |
| Members | 557 | 48th pct | 26th pct |
| Net worth ratio | 11.19% | 18th pct | 34th pct |
| Return on average assets | 0.10% | 37th pct | 49th pct |
| Net interest margin | 4.41% | 61th pct | 66th pct |
| Cost of funds | 0.97% | 65th pct | 67th pct |
| Loan-to-share | 49.30% | 39th pct | 44th pct |
| Delinquency 60+ days | 2.62% | 74th pct | 72th pct |
| Net charge-off ratio | 0.15% | 76th pct | 69th pct |
| Loan growth YoY | -10.72% | 25th pct | 21th pct |
| Share growth YoY | -2.92% | 28th pct | 18th pct |
| Efficiency ratio | 94.61% | 64th pct | 52th pct |
structural peer set hash: 99b246e910d197a3173abbc698a10119… (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.