Corazo
El Centro, CA · Charter 68356 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 4 branches
Q2 2026
$243.6MAssets
$178.6MLoans
$208.2MShares
$34.1MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 87% of credit unions under $1B in assets in CA (rank 8 of 63).
- Widest gap: nonperforming loans / loans trails 97% of credit unions under $1B in assets in CA (rank 61 of 62).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
0.66%
Rank 28 of 63
Net Interest Margin
4.59%
Rank 8 of 63
Efficiency Ratio
74.19%
Rank 21 of 63
Equity / Assets
14.01%
Rank 16 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.66% | 0.17% | 0.56% | 1.17% | Beats 56% | 28 / 63 | |
| Return on Equity | 4.73% | 1.81% | 4.79% | 8.64% | Beats 48% | 33 / 63 | |
| Net Interest Margin | 4.59% | 3.18% | 3.49% | 3.98% | Beats 87% | 8 / 63 | |
| Efficiency Ratio | 74.19% | 70.58% | 81.25% | 89.21% | Beats 68% | 21 / 63 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.51% | 0.17% | 0.42% | 0.85% | Beats 3% | 61 / 62 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.01% | 8.61% | 10.56% | 14.01% | Beats 75% | 16 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.01% | 8.61% | 10.56% | 14.01% | Beats 75% | 16 / 63 | |
| Liquidity & Funding |
| Loans / Deposits | 85.77% | 53.46% | 72.75% | 85.33% | 76th pctl | 15 / 62 | |
| Loans / Assets | 73.29% | 46.35% | 58.08% | 72.17% | 76th pctl | 15 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |