County Schools
Ventura, CA · Charter 13495 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 3 branches
Q2 2026
$91.0MAssets
$57.9MLoans
$83.0MShares
$7.7MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 24% of credit unions under $1B in assets in CA (rank 49 of 63).
- Widest gap: nonperforming loans / loans trails 98% of credit unions under $1B in assets in CA (rank 62 of 62).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
0.13%
Rank 49 of 63
Net Interest Margin
2.96%
Rank 56 of 63
Efficiency Ratio
90.32%
Rank 49 of 63
Equity / Assets
8.51%
Rank 52 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.13% | 0.17% | 0.56% | 1.17% | Beats 22% | 49 / 63 | |
| Return on Equity | 1.55% | 1.81% | 4.79% | 8.64% | Beats 19% | 51 / 63 | |
| Net Interest Margin | 2.96% | 3.18% | 3.49% | 3.98% | Beats 11% | 56 / 63 | |
| Efficiency Ratio | 90.32% | 70.58% | 81.25% | 89.21% | Beats 24% | 49 / 63 | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.52% | 0.17% | 0.42% | 0.85% | Beats 2% | 62 / 62 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.51% | 8.61% | 10.56% | 14.01% | Beats 17% | 52 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.51% | 8.61% | 10.56% | 14.01% | Beats 17% | 52 / 63 | |
| Liquidity & Funding |
| Loans / Deposits | 69.80% | 53.46% | 72.75% | 85.33% | 48th pctl | 32 / 62 | |
| Loans / Assets | 63.66% | 46.35% | 58.08% | 72.17% | 54th pctl | 29 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |