Noble
Fresno, CA · Charter 24552 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 9 branches
Q2 2026
$1.5BAssets
$834.0MLoans
$1.2BShares
$147.4MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 62% of credit unions $1B-$10B in assets (rank 165 of 435).
- Widest gap: equity / assets trails 76% of credit unions $1B-$10B in assets (rank 331 of 435).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.82%
Rank 214 of 435
Net Interest Margin
3.45%
Rank 194 of 435
Efficiency Ratio
73.60%
Rank 252 of 435
Equity / Assets
9.78%
Rank 331 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.82% | 0.55% | 0.81% | 1.14% | Beats 51% | 214 / 435 | | |
| Return on Equity | 8.37% | 5.12% | 7.41% | 9.70% | Beats 62% | 165 / 435 | | |
| Net Interest Margin | 3.45% | 3.01% | 3.39% | 3.75% | Beats 55% | 194 / 435 | | |
| Efficiency Ratio | 73.60% | 65.25% | 71.39% | 77.86% | Beats 42% | 252 / 435 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.82% | 0.45% | 0.69% | 1.05% | Beats 39% | 267 / 435 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.78% | 9.81% | 10.84% | 12.63% | Beats 24% | 331 / 435 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.78% | 9.81% | 10.84% | 12.63% | Beats 24% | 331 / 435 | | |
| Liquidity & Funding |
| Loans / Deposits | 72.36% | 78.33% | 88.38% | 95.61% | 16th pctl | 364 / 435 | | |
| Loans / Assets | 55.35% | 67.69% | 74.58% | 80.80% | 10th pctl | 391 / 435 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |