SAN MATEO CITY EMPLOYEES
Charter #6326 · SAN MATEO, CA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,046 sits at the 10th percentile of structural peers — worth a closer look.
- Return on average assets of 0.19% sits at the 18th percentile of structural peers — worth a closer look.
- Net interest margin of 1.47% sits at the 5th percentile of structural peers — worth a closer look.
- Cost of funds of 2.35% sits at the 90th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 68th percentile but its structural peers at the 39th — a 29-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 | SAN MATEO CITY EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $33.33M | 68th pct | 39th pct |
| Members | 1,046 | 6th pct | 10th pct |
| Net worth ratio | 17.46% | 74th pct | 72th pct |
| Return on average assets | 0.19% | 26th pct | 18th pct |
| Net interest margin | 1.47% | 1th pct | 5th pct |
| Cost of funds | 2.35% | 95th pct | 90th pct |
| Loan-to-share | 18.12% | 2th pct | 16th pct |
| Delinquency 60+ days | 0.72% | 57th pct | 57th pct |
| Net charge-off ratio | 0.00% | 23th pct | 34th pct |
| Loan growth YoY | -5.75% | 25th pct | 28th pct |
| Share growth YoY | 1.26% | 38th pct | 44th pct |
| Efficiency ratio | 82.54% | 56th pct | 70th pct |
structural peer set hash: cc1bd7c7c6d4840905a6c198672d3352… (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.