1ST NORTHERN CALIFORNIA
Charter #68668 · Martinez, CA · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.70% sits at the 5th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.03% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.11% 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 22nd percentile but its structural peers at the 39th — a 17-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 | 1ST NORTHERN CALIFORNIA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $825.39M | 73th pct | 61th pct |
| Members | 32,353 | 22th pct | 39th pct |
| Net worth ratio | 11.71% | 70th pct | 59th pct |
| Return on average assets | 0.52% | 42th pct | 30th pct |
| Net interest margin | 2.70% | 8th pct | 5th pct |
| Cost of funds | 1.19% | 31th pct | 44th pct |
| Loan-to-share | 56.18% | 9th pct | 25th pct |
| Delinquency 60+ days | 0.03% | 0th pct | 0th pct |
| Net charge-off ratio | 0.11% | 12th pct | 11th pct |
| Loan growth YoY | 2.35% | 65th pct | 72th pct |
| Share growth YoY | 3.59% | 44th pct | 48th pct |
| Efficiency ratio | 79.63% | 57th pct | 59th pct |
structural peer set hash: 3ed8c15dadccdbb03e5f371f44377fad… (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.