KEYPOINT
Charter #65299 · San Jose, CA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.00% sits at the 20th percentile of structural peers — worth a closer look.
- On Efficiency ratio, the asset-size band puts this credit union at the 60th percentile but its structural peers at the 28th — a 32-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 | KEYPOINT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.70B | 38th pct | 62th pct |
| Members | 55,225 | 7th pct | 33th pct |
| Net worth ratio | 9.00% | 12th pct | 20th pct |
| Return on average assets | 0.35% | 17th pct | 28th pct |
| Net interest margin | 3.00% | 26th pct | 41th pct |
| Cost of funds | 1.71% | 47th pct | 43th pct |
| Loan-to-share | 92.46% | 70th pct | 56th pct |
| Delinquency 60+ days | 0.39% | 25th pct | 34th pct |
| Net charge-off ratio | 0.54% | 53th pct | 74th pct |
| Loan growth YoY | 2.28% | 57th pct | 56th pct |
| Share growth YoY | 2.77% | 26th pct | 36th pct |
| Efficiency ratio | 75.50% | 60th pct | 28th pct |
structural peer set hash: 40887d36efbcd78dab88936e623ded94… (reproducible)
Closest structural peers
This is the free public view
Claim KEYPOINT
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.