VALLEY STRONG
Charter #68712 · BAKERSFIELD, CA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 357,321 ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 9.05% sits at the 20th percentile of structural peers — worth a closer look.
- Net interest margin of 3.82% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.11% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 2.09% sits at the 97th percentile of structural peers — worth a closer look.
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 | VALLEY STRONG | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.07B | 74th pct | 67th pct |
| Members | 357,321 | 88th pct | 97th pct |
| Net worth ratio | 9.05% | 15th pct | 20th pct |
| Return on average assets | 0.57% | 38th pct | 43th pct |
| Net interest margin | 3.82% | 81th pct | 87th pct |
| Cost of funds | 1.11% | 23th pct | 18th pct |
| Loan-to-share | 78.26% | 29th pct | 26th pct |
| Delinquency 60+ days | 2.09% | 98th pct | 97th pct |
| Net charge-off ratio | 0.76% | 71th pct | 89th pct |
| Loan growth YoY | -1.29% | 12th pct | 12th pct |
| Share growth YoY | 3.52% | 38th pct | 46th pct |
| Efficiency ratio | 75.60% | 61th pct | 56th pct |
structural peer set hash: 8a9d8531c9f8bdb7e898408156246b6f… (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.