MATADORS COMMUNITY
Charter #68483 · Northridge, CA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.07% sits at the 8th percentile of structural peers — worth a closer look.
- Cost of funds of 2.29% sits at the 93rd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.21% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 72nd percentile but its structural peers at the 54th — a 18-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 | MATADORS COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $359.95M | 84th pct | 75th pct |
| Members | 18,585 | 72th pct | 54th pct |
| Net worth ratio | 11.48% | 50th pct | 59th pct |
| Return on average assets | 0.40% | 29th pct | 30th pct |
| Net interest margin | 3.07% | 17th pct | 8th pct |
| Cost of funds | 2.29% | 94th pct | 93th pct |
| Loan-to-share | 88.70% | 87th pct | 72th pct |
| Delinquency 60+ days | 0.21% | 14th pct | 11th pct |
| Net charge-off ratio | 0.53% | 67th pct | 59th pct |
| Loan growth YoY | 2.21% | 68th pct | 62th pct |
| Share growth YoY | -2.15% | 3th pct | 5th pct |
| Efficiency ratio | 74.84% | 37th pct | 30th pct |
structural peer set hash: 3055f4dbc152cce2dfef804789d4754f… (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.