CALIFORNIA ADVENTIST
Charter #24238 · Glendale, CA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 19.31% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.90% sits at the 25th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.00% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 95th percentile but its structural peers at the 48th — a 47-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 | CALIFORNIA ADVENTIST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $46.06M | 95th pct | 48th pct |
| Members | 1,980 | 45th pct | 34th pct |
| Net worth ratio | 19.31% | 82th pct | 75th pct |
| Return on average assets | 0.94% | 66th pct | 69th pct |
| Net interest margin | 2.90% | 13th pct | 25th pct |
| Cost of funds | 1.31% | 71th pct | 59th pct |
| Loan-to-share | 76.58% | 80th pct | 52th pct |
| Delinquency 60+ days | 0.00% | 10th pct | 10th pct |
| Net charge-off ratio | 0.00% | 23th pct | 23th pct |
| Loan growth YoY | -1.66% | 56th pct | 49th pct |
| Share growth YoY | -3.16% | 8th pct | 11th pct |
| Efficiency ratio | 72.74% | 32th pct | 30th pct |
structural peer set hash: bc14afdd751686468ddff04df28aa35f… (reproducible)
Closest structural peers
This is the free public view
Claim CALIFORNIA ADVENTIST
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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.