ORGANIZED LABOR
Charter #61942 · Modesto, CA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.84% sits at the 21st percentile of structural peers — worth a closer look.
- Return on average assets of 1.08% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.05% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.34% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.39% sits at the 80th 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 | ORGANIZED LABOR | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $40.54M | 84th pct | 43th pct |
| Members | 3,087 | 77th pct | 54th pct |
| Net worth ratio | 9.84% | 17th pct | 21th pct |
| Return on average assets | 1.08% | 71th pct | 82th pct |
| Net interest margin | 4.05% | 60th pct | 79th pct |
| Cost of funds | 0.34% | 23th pct | 21th pct |
| Loan-to-share | 41.51% | 23th pct | 31th pct |
| Delinquency 60+ days | 1.39% | 76th pct | 80th pct |
| Net charge-off ratio | -0.02% | 18th pct | 15th pct |
| Loan growth YoY | 0.59% | 75th pct | 70th pct |
| Share growth YoY | 3.49% | 61th pct | 70th pct |
| Efficiency ratio | 74.49% | 36th pct | 28th pct |
structural peer set hash: b52979ed0d3b39fc67df7fb1c80bdc81… (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.