UTILITY DISTRICT
Charter #61085 · OAKLAND, CA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.93% sits at the 11th percentile of structural peers — worth a closer look.
- Cost of funds of 0.03% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.05% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.65% sits at the 85th percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 31st percentile but its structural peers at the 64th — a 33-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 | UTILITY DISTRICT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $34.12M | 70th pct | 74th pct |
| Members | 2,151 | 52th pct | 67th pct |
| Net worth ratio | 8.93% | 10th pct | 11th pct |
| Return on average assets | 0.58% | 46th pct | 46th pct |
| Net interest margin | 3.41% | 31th pct | 64th pct |
| Cost of funds | 0.03% | 2th pct | 5th pct |
| Loan-to-share | 26.22% | 6th pct | 26th pct |
| Delinquency 60+ days | 0.05% | 15th pct | 20th pct |
| Net charge-off ratio | 0.65% | 77th pct | 85th pct |
| Loan growth YoY | -6.42% | 21th pct | 44th pct |
| Share growth YoY | 1.95% | 44th pct | 39th pct |
| Efficiency ratio | 80.80% | 51th pct | 54th pct |
structural peer set hash: 533452cc8643cabc02aee065675393f0… (reproducible)
Closest structural peers
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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.