CHEVRON
Charter #24326 · Concord, CA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 1.64% sits at the 3rd percentile of structural peers — worth a closer look.
- Cost of funds of 2.85% sits at the 87th percentile of structural peers — worth a closer look.
- On Net charge-off ratio, the asset-size band puts this credit union at the 16th percentile but its structural peers at the 49th — a 33-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 | CHEVRON | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.44B | 84th pct | 87th pct |
| Members | 140,127 | 57th pct | 61th pct |
| Net worth ratio | 11.54% | 65th pct | 66th pct |
| Return on average assets | 0.57% | 37th pct | 39th pct |
| Net interest margin | 1.64% | 2th pct | 3th pct |
| Cost of funds | 2.85% | 93th pct | 87th pct |
| Loan-to-share | 85.05% | 45th pct | 36th pct |
| Delinquency 60+ days | 0.37% | 22th pct | 33th pct |
| Net charge-off ratio | 0.22% | 16th pct | 49th pct |
| Loan growth YoY | 0.40% | 33th pct | 33th pct |
| Share growth YoY | 9.42% | 91th pct | 88th pct |
| Efficiency ratio | 69.10% | 38th pct | 33th pct |
structural peer set hash: 931050c7f0e4b2898ab38415b8ccbae4… (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.