SESLOC
Charter #68741 · SAN LUIS OBISPO, CA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.41% sits at the 23rd percentile of structural peers — worth a closer look.
- Net interest margin of 3.91% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 16th percentile but its structural peers at the 44th — a 28-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 | SESLOC | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.25B | 16th pct | 44th pct |
| Members | 56,359 | 8th pct | 30th pct |
| Net worth ratio | 9.32% | 18th pct | 31th pct |
| Return on average assets | 0.41% | 21th pct | 23th pct |
| Net interest margin | 3.91% | 85th pct | 84th pct |
| Cost of funds | 1.24% | 27th pct | 28th pct |
| Loan-to-share | 79.90% | 32th pct | 38th pct |
| Delinquency 60+ days | 0.50% | 37th pct | 33th pct |
| Net charge-off ratio | 0.34% | 27th pct | 31th pct |
| Loan growth YoY | 2.26% | 57th pct | 57th pct |
| Share growth YoY | 5.43% | 69th pct | 82th pct |
| Efficiency ratio | 82.81% | 86th pct | 70th pct |
structural peer set hash: 414877646f9fa1de98dc877d79872c2a… (reproducible)
Closest structural peers
This is the free public view
Claim SESLOC
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.