San Joaquin Power Employees
Fresno, CA · Charter 66788 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 1 branch
Q2 2026
$174.9MAssets
$126.0MLoans
$144.9MShares
$26.9MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 90% of credit unions under $1B in assets in CA (rank 7 of 62).
- Widest gap: net interest margin trails 98% of credit unions under $1B in assets in CA (rank 62 of 63).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.55%
Rank 33 of 63
Net Interest Margin
1.55%
Rank 62 of 63
Efficiency Ratio
64.63%
Rank 10 of 63
Equity / Assets
15.39%
Rank 10 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.55% | 0.17% | 0.56% | 1.17% | Beats 48% | 33 / 63 | |
| Return on Equity | 3.59% | 1.81% | 4.79% | 8.64% | Beats 40% | 38 / 63 | |
| Net Interest Margin | 1.55% | 3.18% | 3.49% | 3.98% | Beats 2% | 62 / 63 | |
| Efficiency Ratio | 64.63% | 70.58% | 81.25% | 89.21% | Beats 86% | 10 / 63 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.04% | 0.17% | 0.42% | 0.85% | Beats 90% | 7 / 62 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.39% | 8.61% | 10.56% | 14.01% | Beats 84% | 10 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.39% | 8.61% | 10.56% | 14.01% | Beats 84% | 10 / 63 | |
| Liquidity & Funding |
| Loans / Deposits | 87.01% | 53.46% | 72.75% | 85.33% | 79th pctl | 13 / 62 | |
| Loans / Assets | 72.09% | 46.35% | 58.08% | 72.17% | 73rd pctl | 17 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |