ORANGE COUNTY'S
Charter #24981 · Santa Ana, CA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.09% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 61.63% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 71st percentile but its structural peers at the 48th — 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 | ORANGE COUNTY'S | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.07B | 66th pct | 62th pct |
| Members | 145,451 | 59th pct | 48th pct |
| Net worth ratio | 10.29% | 39th pct | 43th pct |
| Return on average assets | 1.09% | 78th pct | 82th pct |
| Net interest margin | 3.41% | 55th pct | 48th pct |
| Cost of funds | 1.93% | 57th pct | 46th pct |
| Loan-to-share | 92.62% | 71th pct | 48th pct |
| Delinquency 60+ days | 0.53% | 41th pct | 39th pct |
| Net charge-off ratio | 0.45% | 40th pct | 39th pct |
| Loan growth YoY | — | — | — |
| Share growth YoY | — | — | — |
| Efficiency ratio | 61.63% | 15th pct | 7th pct |
structural peer set hash: 71dcb85f6b34fd88749f4929ccbf161e… (reproducible)
Closest structural peers
This is the free public view
Claim ORANGE COUNTY'S
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.