Sonoma County Grange
Santa Rosa, CA · Charter 63373 · Peer group: credit unions under $1B in assets in CA (n=64-65)
NCUA · 4 branches
Q4 2025
$114.4MAssets
$98.4MLoans
$92.2MShares
$5.4MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 89% of credit unions under $1B in assets in CA (rank 7 of 65).
- Widest gap: equity / assets trails 100% of credit unions under $1B in assets in CA (rank 64 of 64).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
-1.94%
Rank 63 of 65
Net Interest Margin
4.65%
Rank 7 of 65
Efficiency Ratio
109.77%
Rank 64 of 65
Equity / Assets
4.69%
Rank 64 of 64
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -1.94% | 0.21% | 0.58% | 1.01% | Beats 3% | 63 / 65 | | |
| Return on Equity | -41.30% | 2.35% | 5.30% | 9.03% | Beats 2% | 63 / 64 | | |
| Net Interest Margin | 4.65% | 3.11% | 3.51% | 4.02% | Beats 89% | 7 / 65 | | |
| Efficiency Ratio | 109.77% | 70.73% | 79.68% | 86.60% | Beats 3% | 64 / 65 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.34% | 0.20% | 0.43% | 0.92% | Beats 2% | 64 / 64 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 4.69% | 8.96% | 9.97% | 13.83% | Beats 0% | 65 / 65 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 4.69% | 8.96% | 9.97% | 13.83% | Beats 0% | 64 / 64 | | |
| Liquidity & Funding |
| Loans / Deposits | 106.67% | 54.97% | 68.56% | 84.66% | 97th pctl | 2 / 64 | | |
| Loans / Assets | 86.03% | 48.98% | 60.02% | 73.94% | 95th pctl | 3 / 64 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |