ROLLING F
Charter #61128 · TURLOCK, CA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net charge-off ratio of -0.03% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 67.94% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 48th percentile but its structural peers at the 64th — a 16-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 | ROLLING F | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $65.94M | 39th pct | 41th pct |
| Members | 4,933 | 48th pct | 64th pct |
| Net worth ratio | 11.45% | 35th pct | 44th pct |
| Return on average assets | 1.08% | 68th pct | 74th pct |
| Net interest margin | 3.28% | 28th pct | 36th pct |
| Cost of funds | 0.85% | 45th pct | 49th pct |
| Loan-to-share | 57.12% | 44th pct | 49th pct |
| Delinquency 60+ days | 0.85% | 65th pct | 74th pct |
| Net charge-off ratio | -0.03% | 7th pct | 7th pct |
| Loan growth YoY | 4.23% | 90th pct | 93th pct |
| Share growth YoY | 1.84% | 39th pct | 44th pct |
| Efficiency ratio | 67.94% | 22th pct | 13th pct |
structural peer set hash: 7cd653d5233696db2db79caa73bac0f9… (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.