TUCOEMAS
Charter #5718 · VISALIA, CA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 26,931 ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 9.39% sits at the 11th percentile of structural peers — worth a closer look.
- Net interest margin of 4.61% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 2.93% sits at the 93rd percentile of structural peers — worth a closer look.
- Efficiency ratio of 73.51% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
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 | TUCOEMAS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $336.86M | 79th pct | 90th pct |
| Members | 26,931 | 91th pct | 90th pct |
| Net worth ratio | 9.39% | 19th pct | 11th pct |
| Return on average assets | 0.67% | 48th pct | 38th pct |
| Net interest margin | 4.61% | 92th pct | 89th pct |
| Cost of funds | 0.61% | 23th pct | 38th pct |
| Loan-to-share | 49.34% | 12th pct | 38th pct |
| Delinquency 60+ days | 0.64% | 53th pct | 41th pct |
| Net charge-off ratio | 2.93% | 99th pct | 93th pct |
| Loan growth YoY | -3.00% | 17th pct | 43th pct |
| Share growth YoY | 2.40% | 33th pct | 23th pct |
| Efficiency ratio | 73.51% | 33th pct | 25th pct |
structural peer set hash: 37bdd72034f39dd83c1e65a4ce98f035… (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.