SAN JOAQUIN POWER EMPLOYEES
Charter #66788 · FRESNO, CA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 6,531 sits at the 7th percentile of structural peers — worth a closer look.
- Net worth ratio of 15.33% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.35% sits at the 18th percentile of structural peers — worth a closer look.
- Net interest margin of 1.51% sits at the 0th percentile of structural peers — worth a closer look.
- Cost of funds of 3.97% sits at the 98th 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 | SAN JOAQUIN POWER EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $173.28M | 41th pct | 39th pct |
| Members | 6,531 | 9th pct | 7th pct |
| Net worth ratio | 15.33% | 87th pct | 84th pct |
| Return on average assets | 0.35% | 26th pct | 18th pct |
| Net interest margin | 1.51% | 0th pct | 0th pct |
| Cost of funds | 3.97% | 100th pct | 98th pct |
| Loan-to-share | 86.23% | 81th pct | 56th pct |
| Delinquency 60+ days | 0.05% | 3th pct | 5th pct |
| Net charge-off ratio | 0.01% | 7th pct | 5th pct |
| Loan growth YoY | -0.07% | 47th pct | 38th pct |
| Share growth YoY | -0.87% | 6th pct | 13th pct |
| Efficiency ratio | 76.19% | 41th pct | 41th pct |
structural peer set hash: e270a298d77db9c94826684fc577e879… (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.