CENTRAL STATE
Charter #60363 · Stockton, CA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.97% sits at the 16th percentile of structural peers — worth a closer look.
- Return on average assets of -0.03% sits at the 7th percentile of structural peers — worth a closer look.
- Cost of funds of 0.15% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.01% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.72% sits at the 90th percentile of structural peers — worth a closer look.
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 | CENTRAL STATE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $255.16M | 64th pct | 79th pct |
| Members | 14,221 | 56th pct | 70th pct |
| Net worth ratio | 8.97% | 13th pct | 16th pct |
| Return on average assets | -0.03% | 7th pct | 7th pct |
| Net interest margin | 3.11% | 19th pct | 28th pct |
| Cost of funds | 0.15% | 8th pct | 5th pct |
| Loan-to-share | 40.16% | 5th pct | 25th pct |
| Delinquency 60+ days | 0.01% | 1th pct | 0th pct |
| Net charge-off ratio | 0.72% | 79th pct | 90th pct |
| Loan growth YoY | 27.44% | 100th pct | 98th pct |
| Share growth YoY | -2.95% | 1th pct | 0th pct |
| Efficiency ratio | 95.10% | 95th pct | 89th pct |
structural peer set hash: d8ac06cf66434b74291bfaeeb4b6501c… (reproducible)
Closest structural peers
This is the free public view
Claim CENTRAL STATE
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.