FOUNTAIN VALLEY
Charter #64108 · Fountain Valley, CA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 176 sits at the 8th percentile of structural peers — worth a closer look.
- Net worth ratio of 22.96% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -1.93% sits at the 5th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.43% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 135.88% sits at the 93rd 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 | FOUNTAIN VALLEY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.96M | 29th pct | 15th pct |
| Members | 176 | 12th pct | 8th pct |
| Net worth ratio | 22.96% | 69th pct | 75th pct |
| Return on average assets | -1.93% | 11th pct | 5th pct |
| Net interest margin | 3.56% | 35th pct | 48th pct |
| Cost of funds | 0.58% | 53th pct | 49th pct |
| Loan-to-share | 38.39% | 28th pct | 28th pct |
| Delinquency 60+ days | 0.12% | 32th pct | 36th pct |
| Net charge-off ratio | -0.43% | 8th pct | 2th pct |
| Loan growth YoY | -17.10% | 10th pct | 5th pct |
| Share growth YoY | -0.32% | 47th pct | 48th pct |
| Efficiency ratio | 135.88% | 91th pct | 93th pct |
structural peer set hash: 4ae3c1b21f3c20d142ff1f610e9089b3… (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.