YOLO
Charter #9293 · Woodland, CA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 12.50% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.45% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.13% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 88.49% sits at the 82nd percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 85th percentile but its structural peers at the 44th — a 41-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 | YOLO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $410.98M | 91th pct | 52th pct |
| Members | 23,316 | 85th pct | 44th pct |
| Net worth ratio | 12.50% | 63th pct | 75th pct |
| Return on average assets | 0.41% | 30th pct | 38th pct |
| Net interest margin | 3.91% | 68th pct | 72th pct |
| Cost of funds | 0.45% | 17th pct | 10th pct |
| Loan-to-share | 87.98% | 86th pct | 69th pct |
| Delinquency 60+ days | 0.61% | 50th pct | 61th pct |
| Net charge-off ratio | 0.13% | 22th pct | 11th pct |
| Loan growth YoY | 3.28% | 77th pct | 75th pct |
| Share growth YoY | -2.15% | 3th pct | 3th pct |
| Efficiency ratio | 88.49% | 81th pct | 82th pct |
structural peer set hash: e8177a413e4fbaec67ea62f54a1d50d0… (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.