SAFE
Charter #68366 · FOLSOM, CA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 246,385 ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.88% sits at the 15th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.42% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.31% ranks in the 18th 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 | SAFE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.45B | 77th pct | 79th pct |
| Members | 246,385 | 79th pct | 79th pct |
| Net worth ratio | 10.49% | 44th pct | 43th pct |
| Return on average assets | 0.93% | 67th pct | 67th pct |
| Net interest margin | 2.88% | 20th pct | 15th pct |
| Cost of funds | 1.47% | 36th pct | 41th pct |
| Loan-to-share | 79.87% | 32th pct | 39th pct |
| Delinquency 60+ days | 0.42% | 28th pct | 21th pct |
| Net charge-off ratio | 0.31% | 25th pct | 18th pct |
| Loan growth YoY | 3.52% | 71th pct | 78th pct |
| Share growth YoY | 1.61% | 15th pct | 19th pct |
| Efficiency ratio | 72.29% | 49th pct | 48th pct |
structural peer set hash: dd7cb6e1696ca4d3271dad1c9d75096e… (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.