FAMILIES AND SCHOOLS TOGETHER
Charter #9109 · Hanford, CA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 18,798 ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 19.54% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 2.53% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.58% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.67% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
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 | FAMILIES AND SCHOOLS TOGETHER | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $328.11M | 78th pct | 67th pct |
| Members | 18,798 | 73th pct | 75th pct |
| Net worth ratio | 19.54% | 97th pct | 92th pct |
| Return on average assets | 2.53% | 99th pct | 97th pct |
| Net interest margin | 4.58% | 91th pct | 87th pct |
| Cost of funds | 0.67% | 25th pct | 11th pct |
| Loan-to-share | 92.68% | 93th pct | 74th pct |
| Delinquency 60+ days | 0.21% | 14th pct | 25th pct |
| Net charge-off ratio | 0.40% | 53th pct | 70th pct |
| Loan growth YoY | 1.07% | 58th pct | 48th pct |
| Share growth YoY | 3.14% | 45th pct | 38th pct |
| Efficiency ratio | 51.96% | 3th pct | 3th pct |
structural peer set hash: d47bcbcbbb2aa126845a0b5998b842df… (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.