BAY AREA
Charter #63375 · Oregon, OH · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Efficiency ratio of 89.09% sits at the 82nd percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 6th percentile but its structural peers at the 49th — a 43-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 | BAY AREA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $108.55M | 6th pct | 49th pct |
| Members | 7,400 | 14th pct | 44th pct |
| Net worth ratio | 11.33% | 48th pct | 64th pct |
| Return on average assets | 0.59% | 41th pct | 38th pct |
| Net interest margin | 3.56% | 43th pct | 31th pct |
| Cost of funds | 1.12% | 45th pct | 61th pct |
| Loan-to-share | 53.71% | 16th pct | 39th pct |
| Delinquency 60+ days | 0.92% | 72th pct | 69th pct |
| Net charge-off ratio | 0.20% | 31th pct | 38th pct |
| Loan growth YoY | 18.58% | 99th pct | 93th pct |
| Share growth YoY | 28.18% | 100th pct | 93th pct |
| Efficiency ratio | 89.09% | 83th pct | 82th pct |
structural peer set hash: d41a677e9d901ed76e0442ecaa1bdfc6… (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.