TRAVIS
Charter #68429 · VACAVILLE, CA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.31% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 82nd percentile but its structural peers at the 62nd — a 20-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 | TRAVIS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.69B | 85th pct | 72th pct |
| Members | 271,284 | 82th pct | 62th pct |
| Net worth ratio | 10.55% | 46th pct | 41th pct |
| Return on average assets | 0.76% | 54th pct | 51th pct |
| Net interest margin | 3.22% | 43th pct | 38th pct |
| Cost of funds | 0.31% | 7th pct | 8th pct |
| Loan-to-share | 91.64% | 67th pct | 56th pct |
| Delinquency 60+ days | 0.65% | 52th pct | 51th pct |
| Net charge-off ratio | 0.74% | 70th pct | 62th pct |
| Loan growth YoY | 2.92% | 66th pct | 58th pct |
| Share growth YoY | 5.45% | 69th pct | 65th pct |
| Efficiency ratio | 65.75% | 25th pct | 30th pct |
structural peer set hash: b0da5ffde4f6402257bbe51e3cd50cff… (reproducible)
Closest structural peers
This is the free public view
Claim TRAVIS
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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.