GREATER VALLEY
Charter #64660 · FRESNO, CA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.00% sits at the 13th percentile of structural peers — worth a closer look.
- Cost of funds of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.01% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.01% ranks in the 16th 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 | GREATER VALLEY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $33.43M | 68th pct | 69th pct |
| Members | 2,093 | 49th pct | 39th pct |
| Net worth ratio | 14.68% | 57th pct | 64th pct |
| Return on average assets | 0.66% | 51th pct | 39th pct |
| Net interest margin | 3.00% | 16th pct | 13th pct |
| Cost of funds | 0.00% | 0th pct | 0th pct |
| Loan-to-share | 45.55% | 29th pct | 39th pct |
| Delinquency 60+ days | 0.01% | 11th pct | 3th pct |
| Net charge-off ratio | -0.01% | 19th pct | 16th pct |
| Loan growth YoY | 4.78% | 92th pct | 95th pct |
| Share growth YoY | -1.74% | 14th pct | 10th pct |
| Efficiency ratio | 76.08% | 39th pct | 43th pct |
structural peer set hash: 013bb41a570339b99f52b277eb0ea3ad… (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.