UNION YES
Charter #24131 · ORANGE, CA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 24,967 ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 8.33% sits at the 3rd percentile of structural peers — worth a closer look.
- Cost of funds of 0.08% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.09% 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 97th percentile but its structural peers at the 74th — a 23-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 | UNION YES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $96.92M | 97th pct | 74th pct |
| Members | 24,967 | 100th pct | 97th pct |
| Net worth ratio | 8.33% | 5th pct | 3th pct |
| Return on average assets | 0.70% | 50th pct | 48th pct |
| Net interest margin | 3.79% | 54th pct | 67th pct |
| Cost of funds | 0.08% | 6th pct | 3th pct |
| Loan-to-share | 45.03% | 22th pct | 31th pct |
| Delinquency 60+ days | 0.09% | 10th pct | 20th pct |
| Net charge-off ratio | -0.01% | 10th pct | 26th pct |
| Loan growth YoY | -5.29% | 17th pct | 18th pct |
| Share growth YoY | 1.91% | 39th pct | 34th pct |
| Efficiency ratio | 84.00% | 62th pct | 66th pct |
structural peer set hash: 84122b27248865c4866db05377e372e0… (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.