UNCLE
Charter #64482 · LIVERMORE, CA · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 36,338 sits at the 15th percentile of structural peers — worth a closer look.
- Net worth ratio of 7.92% sits at the 3rd percentile of structural peers — worth a closer look.
- Return on average assets of 0.13% sits at the 11th percentile of structural peers — worth a closer look.
- Net interest margin of 4.05% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.24% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
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 | UNCLE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $738.04M | 56th pct | 31th pct |
| Members | 36,338 | 36th pct | 15th pct |
| Net worth ratio | 7.92% | 6th pct | 3th pct |
| Return on average assets | 0.13% | 10th pct | 11th pct |
| Net interest margin | 4.05% | 86th pct | 90th pct |
| Cost of funds | 1.24% | 34th pct | 18th pct |
| Loan-to-share | 94.70% | 90th pct | 82th pct |
| Delinquency 60+ days | 0.67% | 58th pct | 56th pct |
| Net charge-off ratio | 0.97% | 86th pct | 89th pct |
| Loan growth YoY | -5.12% | 3th pct | 5th pct |
| Share growth YoY | -0.97% | 4th pct | 8th pct |
| Efficiency ratio | 86.43% | 81th pct | 82th pct |
structural peer set hash: 48c2ee4b917f232661625e74a871f78f… (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.