SACRAMENTO
Charter #62641 · Sacramento, CA · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 31,124 sits at the 18th percentile of structural peers — worth a closer look.
- Net worth ratio of 14.77% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.50% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.91% sits at the 18th percentile of structural peers — worth a closer look.
- Cost of funds of 1.54% sits at the 79th 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 | SACRAMENTO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $851.94M | 78th pct | 51th pct |
| Members | 31,124 | 18th pct | 18th pct |
| Net worth ratio | 14.77% | 93th pct | 92th pct |
| Return on average assets | 1.50% | 90th pct | 87th pct |
| Net interest margin | 2.91% | 16th pct | 18th pct |
| Cost of funds | 1.54% | 54th pct | 79th pct |
| Loan-to-share | 63.12% | 14th pct | 36th pct |
| Delinquency 60+ days | 0.10% | 2th pct | 7th pct |
| Net charge-off ratio | 0.10% | 10th pct | 11th pct |
| Loan growth YoY | 3.18% | 75th pct | 69th pct |
| Share growth YoY | 4.26% | 54th pct | 64th pct |
| Efficiency ratio | 59.76% | 7th pct | 10th pct |
structural peer set hash: 1b11362ec0852f85ac82d366f713621d… (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.