FRESNO POLICE DEPARTMENT
Charter #97096 · fresno, CA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 22.91% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.04% sits at the 18th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.06% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 1st percentile but its structural peers at the 66th — a 65-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 | FRESNO POLICE DEPARTMENT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $50.08M | 1th pct | 66th pct |
| Members | 2,516 | 5th pct | 48th pct |
| Net worth ratio | 22.91% | 97th pct | 92th pct |
| Return on average assets | 0.70% | 50th pct | 46th pct |
| Net interest margin | 3.04% | 18th pct | 18th pct |
| Cost of funds | 0.32% | 14th pct | 39th pct |
| Loan-to-share | 28.78% | 4th pct | 25th pct |
| Delinquency 60+ days | 0.06% | 8th pct | 10th pct |
| Net charge-off ratio | 0.00% | 17th pct | 25th pct |
| Loan growth YoY | 5.01% | 91th pct | 97th pct |
| Share growth YoY | 3.78% | 62th pct | 70th pct |
| Efficiency ratio | 79.33% | 48th pct | 56th pct |
structural peer set hash: 02478f0872e69168d70a81f6f6c9d4f4… (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.