VENTURA COUNTY
Charter #68458 · Ventura, CA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.28% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.84% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.99% sits at the 80th percentile of structural peers — worth a closer look.
- Efficiency ratio of 67.88% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 27th percentile but its structural peers at the 62nd — a 36-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 | VENTURA COUNTY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.47B | 28th pct | 59th pct |
| Members | 78,925 | 27th pct | 62th pct |
| Net worth ratio | 10.04% | 33th pct | 39th pct |
| Return on average assets | 1.28% | 84th pct | 93th pct |
| Net interest margin | 3.84% | 81th pct | 79th pct |
| Cost of funds | 1.32% | 30th pct | 41th pct |
| Loan-to-share | 77.73% | 28th pct | 34th pct |
| Delinquency 60+ days | 0.99% | 77th pct | 80th pct |
| Net charge-off ratio | 0.40% | 34th pct | 43th pct |
| Loan growth YoY | 2.58% | 62th pct | 73th pct |
| Share growth YoY | 2.34% | 21th pct | 33th pct |
| Efficiency ratio | 67.88% | 33th pct | 3th pct |
structural peer set hash: 6ede3ce80fd7763d1acd939303f23562… (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.