Ventura County
Ventura, CA · Charter 68458 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 9 branches
Q2 2026
$1.5BAssets
$1.0BLoans
$1.3BShares
$149.3MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 89% of credit unions $1B-$10B in assets (rank 47 of 435).
- Widest gap: nonperforming loans / loans trails 99% of credit unions $1B-$10B in assets (rank 430 of 435).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
1.21%
Rank 84 of 435
Net Interest Margin
3.84%
Rank 86 of 435
Efficiency Ratio
66.38%
Rank 123 of 435
Equity / Assets
10.14%
Rank 294 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.21% | 0.55% | 0.81% | 1.14% | Beats 81% | 84 / 435 | |
| Return on Equity | 11.93% | 5.12% | 7.41% | 9.70% | Beats 89% | 47 / 435 | |
| Net Interest Margin | 3.84% | 3.01% | 3.39% | 3.75% | Beats 80% | 86 / 435 | |
| Efficiency Ratio | 66.38% | 65.25% | 71.39% | 77.86% | Beats 72% | 123 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.17% | 0.45% | 0.69% | 1.05% | Beats 1% | 430 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.14% | 9.81% | 10.84% | 12.63% | Beats 32% | 294 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.14% | 9.81% | 10.84% | 12.63% | Beats 32% | 294 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 78.19% | 78.33% | 88.38% | 95.61% | 24th pctl | 329 / 435 | |
| Loans / Assets | 69.06% | 67.69% | 74.58% | 80.80% | 30th pctl | 304 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |