Slo
San Luis Obispo, CA · Charter 61779 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 1 branch
Q2 2026
$29.1MAssets
$13.8MLoans
$25.3MShares
$4.2MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 81% of credit unions under $1B in assets in CA (rank 12 of 63).
- Widest gap: efficiency ratio trails 98% of credit unions under $1B in assets in CA (rank 63 of 63).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
-0.51%
Rank 61 of 63
Net Interest Margin
3.11%
Rank 51 of 63
Efficiency Ratio
117.33%
Rank 63 of 63
Equity / Assets
14.47%
Rank 12 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.51% | 0.17% | 0.56% | 1.17% | Beats 3% | 61 / 63 | | |
| Return on Equity | -3.52% | 1.81% | 4.79% | 8.64% | Beats 5% | 60 / 63 | | |
| Net Interest Margin | 3.11% | 3.18% | 3.49% | 3.98% | Beats 19% | 51 / 63 | | |
| Efficiency Ratio | 117.33% | 70.58% | 81.25% | 89.21% | Beats 2% | 63 / 63 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.20% | 0.17% | 0.42% | 0.85% | Beats 74% | 17 / 62 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.47% | 8.61% | 10.56% | 14.01% | Beats 81% | 12 / 63 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.47% | 8.61% | 10.56% | 14.01% | Beats 81% | 12 / 63 | | |
| Liquidity & Funding |
| Loans / Deposits | 54.49% | 53.46% | 72.75% | 85.33% | 29th pctl | 44 / 62 | | |
| Loans / Assets | 47.42% | 46.35% | 58.08% | 72.17% | 27th pctl | 46 / 63 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |