Kings
Hanford, CA · Charter 10395 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 1 branch
Q2 2026
$162.5MAssets
$87.5MLoans
$136.4MShares
$25.9MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 87% of credit unions under $1B in assets in CA (rank 8 of 63).
- Widest gap: nonperforming loans / loans trails 60% of credit unions under $1B in assets in CA (rank 38 of 62).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
0.99%
Rank 18 of 63
Net Interest Margin
3.40%
Rank 38 of 63
Efficiency Ratio
69.96%
Rank 15 of 63
Equity / Assets
15.97%
Rank 8 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.99% | 0.17% | 0.56% | 1.17% | Beats 71% | 18 / 63 | |
| Return on Equity | 6.20% | 1.81% | 4.79% | 8.64% | Beats 56% | 28 / 63 | |
| Net Interest Margin | 3.40% | 3.18% | 3.49% | 3.98% | Beats 40% | 38 / 63 | |
| Efficiency Ratio | 69.96% | 70.58% | 81.25% | 89.21% | Beats 78% | 15 / 63 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.64% | 0.17% | 0.42% | 0.85% | Beats 40% | 38 / 62 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.97% | 8.61% | 10.56% | 14.01% | Beats 87% | 8 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.97% | 8.61% | 10.56% | 14.01% | Beats 87% | 8 / 63 | |
| Liquidity & Funding |
| Loans / Deposits | 64.18% | 53.46% | 72.75% | 85.33% | 42nd pctl | 36 / 62 | |
| Loans / Assets | 53.86% | 46.35% | 58.08% | 72.17% | 41st pctl | 37 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |