1st Northern California Martinez, CA · Charter 68668 · Peer group: credit unions under $1B in assets in the San Francisco-Oakland-Fremont, CA area (n=22)
NCUA · 6 branches
Q2 2026
$829.0M Assets
$419.7M Loans
$720.1M Shares
$97.9M Net Worth
Executive Summary Strongest standing: nonperforming loans / loans outperforms 77% of credit unions under $1B in assets in the San Francisco-Oakland-Fremont, CA area (rank 6 of 22). Widest gap: net interest margin trails 73% of credit unions under $1B in assets in the San Francisco-Oakland-Fremont, CA area (rank 16 of 22). Overall: at or above the peer median on 4 of 7 directional measures. Return on Assets
0.55%
Rank 11 of 22
Net Interest Margin
2.70%
Rank 16 of 22
Efficiency Ratio
79.36%
Rank 11 of 22
Equity / Assets
11.81%
Rank 13 of 22
Metric Your Credit Union Peer 25th Peer Median Peer 75th Standing Rank Peer Position Earnings Return on Assets 0.55% -0.03% 0.55% 0.99% Beats 50% 11 / 22 Return on Equity 4.69% -0.26% 3.68% 6.84% Beats 55% 10 / 22 Net Interest Margin 2.70% 2.64% 3.38% 3.88% Beats 27% 16 / 22 Efficiency Ratio 79.36% 71.26% 81.14% 99.76% Beats 55% 11 / 22 Asset Quality Nonperforming Loans / Loans 0.03% 0.03% 0.56% 1.15% Beats 77% 6 / 22 Net Charge-Offs / Loans n/a Not reported for this institution Capital Tier 1 Capital Ratio 11.81% 10.74% 12.65% 15.23% Beats 41% 13 / 22 Total Risk-Based Capital Ratio n/a Not reported for this institution Equity / Assets 11.81% 10.74% 12.65% 15.23% Beats 41% 13 / 22 Liquidity & Funding Loans / Deposits 58.29% 45.93% 53.20% 62.68% 68th pctl 7 / 22 Loans / Assets 50.63% 34.22% 45.72% 53.73% 68th pctl 7 / 22 Brokered Deposits / Deposits n/a Not reported for this institution
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the San Francisco-Oakland-Fremont, CA area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure. Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.50%, the median effective tax rate of the 2,758 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-11