CAMINO
Charter #4633 · Montebello, CA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.11% sits at the 15th percentile of structural peers — worth a closer look.
- Cost of funds of 1.11% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 88th percentile but its structural peers at the 57th — a 30-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 | CAMINO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $179.24M | 43th pct | 39th pct |
| Members | 12,637 | 47th pct | 56th pct |
| Net worth ratio | 12.14% | 59th pct | 64th pct |
| Return on average assets | 0.11% | 12th pct | 15th pct |
| Net interest margin | 3.88% | 66th pct | 69th pct |
| Cost of funds | 1.11% | 44th pct | 20th pct |
| Loan-to-share | 88.97% | 88th pct | 57th pct |
| Delinquency 60+ days | 0.78% | 64th pct | 67th pct |
| Net charge-off ratio | 0.46% | 60th pct | 70th pct |
| Loan growth YoY | 3.85% | 81th pct | 79th pct |
| Share growth YoY | 0.63% | 14th pct | 20th pct |
| Efficiency ratio | 88.76% | 82th pct | 70th pct |
structural peer set hash: 14e8611c2bfef4da2066312b55710141… (reproducible)
Closest structural peers
This is the free public view
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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.