CORAZO
Charter #68356 · El Centro, CA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 13.78% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -0.01% sits at the 8th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.89% sits at the 95th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.03% sits at the 85th 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 | CORAZO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $241.84M | 61th pct | 67th pct |
| Members | 23,794 | 86th pct | 72th pct |
| Net worth ratio | 13.78% | 77th pct | 79th pct |
| Return on average assets | -0.01% | 8th pct | 8th pct |
| Net interest margin | 4.19% | 81th pct | 72th pct |
| Cost of funds | 1.40% | 62th pct | 56th pct |
| Loan-to-share | 84.81% | 79th pct | 69th pct |
| Delinquency 60+ days | 1.89% | 94th pct | 95th pct |
| Net charge-off ratio | 1.03% | 89th pct | 85th pct |
| Loan growth YoY | -3.82% | 12th pct | 7th pct |
| Share growth YoY | 11.85% | 98th pct | 95th pct |
| Efficiency ratio | 82.16% | 63th pct | 64th pct |
structural peer set hash: a8d2ab11cf16cc626ed8dfd26326c53e… (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.