Organized Labor
Modesto, CA · Charter 61942 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 1 branch
Q2 2026
$39.2MAssets
$15.6MLoans
$34.9MShares
$4.1MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 83% of credit unions under $1B in assets in CA (rank 11 of 63).
- Widest gap: nonperforming loans / loans trails 94% of credit unions under $1B in assets in CA (rank 59 of 62).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
1.05%
Rank 17 of 63
Net Interest Margin
4.12%
Rank 14 of 63
Efficiency Ratio
75.37%
Rank 22 of 63
Equity / Assets
10.44%
Rank 33 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.05% | 0.17% | 0.56% | 1.17% | Beats 73% | 17 / 63 | |
| Return on Equity | 10.08% | 1.81% | 4.79% | 8.64% | Beats 83% | 11 / 63 | |
| Net Interest Margin | 4.12% | 3.18% | 3.49% | 3.98% | Beats 78% | 14 / 63 | |
| Efficiency Ratio | 75.37% | 70.58% | 81.25% | 89.21% | Beats 67% | 22 / 63 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.38% | 0.17% | 0.42% | 0.85% | Beats 6% | 59 / 62 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.44% | 8.61% | 10.56% | 14.01% | Beats 48% | 33 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.44% | 8.61% | 10.56% | 14.01% | Beats 48% | 33 / 63 | |
| Liquidity & Funding |
| Loans / Deposits | 44.64% | 53.46% | 72.75% | 85.33% | 13th pctl | 54 / 62 | |
| Loans / Assets | 39.78% | 46.35% | 58.08% | 72.17% | 14th pctl | 54 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |