NOBLE
Charter #24552 · Fresno, CA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- On Net interest margin, the asset-size band puts this credit union at the 61st percentile but its structural peers at the 33rd — a 28-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 | NOBLE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.49B | 30th pct | 54th pct |
| Members | 121,649 | 50th pct | 61th pct |
| Net worth ratio | 9.62% | 24th pct | 33th pct |
| Return on average assets | 0.71% | 49th pct | 51th pct |
| Net interest margin | 3.52% | 61th pct | 33th pct |
| Cost of funds | 1.81% | 52th pct | 70th pct |
| Loan-to-share | 73.69% | 20th pct | 43th pct |
| Delinquency 60+ days | 0.71% | 59th pct | 72th pct |
| Net charge-off ratio | 0.77% | 73th pct | 48th pct |
| Loan growth YoY | -0.45% | 20th pct | 18th pct |
| Share growth YoY | 3.67% | 42th pct | 31th pct |
| Efficiency ratio | 74.88% | 57th pct | 48th pct |
structural peer set hash: d7911cb0d94243e0f5caaf854af6fdf0… (reproducible)
Closest structural peers
This is the free public view
Claim NOBLE
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.