F3
Charter #64835 · SAN JOSE, CA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 18.07% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.53% sits at the 23rd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.02% sits at the 85th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 21st percentile but its structural peers at the 39th — a 18-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 | F3 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $239.38M | 60th pct | 61th pct |
| Members | 12,873 | 49th pct | 48th pct |
| Net worth ratio | 18.07% | 95th pct | 90th pct |
| Return on average assets | 0.53% | 38th pct | 23th pct |
| Net interest margin | 3.37% | 33th pct | 31th pct |
| Cost of funds | 1.32% | 56th pct | 67th pct |
| Loan-to-share | 56.88% | 21th pct | 39th pct |
| Delinquency 60+ days | 0.98% | 75th pct | 66th pct |
| Net charge-off ratio | 1.02% | 89th pct | 85th pct |
| Loan growth YoY | 2.85% | 74th pct | 75th pct |
| Share growth YoY | -0.13% | 9th pct | 8th pct |
| Efficiency ratio | 71.92% | 29th pct | 46th pct |
structural peer set hash: 30cc2759d8e3af73491c563d35dc8cbf… (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.