FIRST CALIFORNIA
Charter #23964 · Fresno, CA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 10.25% sits at the 23rd percentile of structural peers — worth a closer look.
- Return on average assets of 1.56% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.84% sits at the 75th percentile of structural peers — worth a closer look.
- Efficiency ratio of 70.73% 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 7th percentile but its structural peers at the 38th — a 31-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 | FIRST CALIFORNIA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $109.87M | 7th pct | 38th pct |
| Members | 9,335 | 27th pct | 54th pct |
| Net worth ratio | 10.25% | 31th pct | 23th pct |
| Return on average assets | 1.56% | 90th pct | 93th pct |
| Net interest margin | 3.89% | 66th pct | 64th pct |
| Cost of funds | 0.51% | 19th pct | 34th pct |
| Loan-to-share | 53.53% | 16th pct | 44th pct |
| Delinquency 60+ days | 0.64% | 52th pct | 69th pct |
| Net charge-off ratio | 0.84% | 85th pct | 75th pct |
| Loan growth YoY | -2.05% | 24th pct | 48th pct |
| Share growth YoY | 0.92% | 16th pct | 18th pct |
| Efficiency ratio | 70.73% | 26th pct | 20th pct |
structural peer set hash: afd4ca6bf695556f1ede338c37c22524… (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.