CAHP
Charter #95071 · SACRAMENTO, CA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.76% sits at the 10th percentile of structural peers — worth a closer look.
- Cost of funds of 2.11% sits at the 93rd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.07% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.20% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- On Net charge-off ratio, the asset-size band puts this credit union at the 32nd percentile but its structural peers at the 5th — a 27-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 | CAHP | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $403.97M | 90th pct | 75th pct |
| Members | 22,695 | 84th pct | 59th pct |
| Net worth ratio | 8.76% | 11th pct | 10th pct |
| Return on average assets | 0.70% | 50th pct | 62th pct |
| Net interest margin | 3.71% | 54th pct | 46th pct |
| Cost of funds | 2.11% | 91th pct | 93th pct |
| Loan-to-share | 76.65% | 60th pct | 59th pct |
| Delinquency 60+ days | 0.07% | 4th pct | 3th pct |
| Net charge-off ratio | 0.20% | 32th pct | 5th pct |
| Loan growth YoY | -2.86% | 18th pct | 11th pct |
| Share growth YoY | 5.65% | 77th pct | 82th pct |
| Efficiency ratio | 82.88% | 65th pct | 59th pct |
structural peer set hash: 1a9aa247130435950fd9368f28357fe2… (reproducible)
Closest structural peers
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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.