Chevron
Concord, CA · Charter 24326 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 22 branches
Q2 2026
$5.4BAssets
$4.1BLoans
$4.7BShares
$664.4MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 99% of credit unions $1B-$10B in assets (rank 6 of 435).
- Widest gap: net interest margin trails 99% of credit unions $1B-$10B in assets (rank 429 of 435).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.64%
Rank 22 of 435
Net Interest Margin
1.61%
Rank 429 of 435
Efficiency Ratio
45.72%
Rank 6 of 435
Equity / Assets
12.38%
Rank 120 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.64% | 0.55% | 0.81% | 1.14% | Beats 95% | 22 / 435 | |
| Return on Equity | 13.21% | 5.12% | 7.41% | 9.70% | Beats 95% | 22 / 435 | |
| Net Interest Margin | 1.61% | 3.01% | 3.39% | 3.75% | Beats 1% | 429 / 435 | |
| Efficiency Ratio | 45.72% | 65.25% | 71.39% | 77.86% | Beats 99% | 6 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.38% | 0.45% | 0.69% | 1.05% | Beats 83% | 74 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.38% | 9.81% | 10.84% | 12.63% | Beats 72% | 120 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.38% | 9.81% | 10.84% | 12.63% | Beats 72% | 120 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 87.79% | 78.33% | 88.38% | 95.61% | 48th pctl | 225 / 435 | |
| Loans / Assets | 76.51% | 67.69% | 74.58% | 80.80% | 57th pctl | 188 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |