SLO
Charter #61779 · San Luis Obispo, CA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,315 sits at the 15th percentile of structural peers — worth a closer look.
- Return on average assets of -0.69% sits at the 3rd percentile of structural peers — worth a closer look.
- Net interest margin of 3.06% sits at the 21st percentile of structural peers — worth a closer look.
- Cost of funds of 0.07% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.11% ranks in the 5th 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 | SLO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $29.74M | 60th pct | 36th pct |
| Members | 1,315 | 18th pct | 15th pct |
| Net worth ratio | 14.23% | 54th pct | 74th pct |
| Return on average assets | -0.69% | 9th pct | 3th pct |
| Net interest margin | 3.06% | 18th pct | 21th pct |
| Cost of funds | 0.07% | 5th pct | 3th pct |
| Loan-to-share | 58.09% | 51th pct | 57th pct |
| Delinquency 60+ days | 0.74% | 58th pct | 59th pct |
| Net charge-off ratio | -0.11% | 9th pct | 5th pct |
| Loan growth YoY | -9.49% | 8th pct | 5th pct |
| Share growth YoY | 1.47% | 39th pct | 56th pct |
| Efficiency ratio | 124.48% | 98th pct | 98th pct |
structural peer set hash: 5d0acb27a60d8bb922e40dbd7331f38b… (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.