Sesloc
San Luis Obispo, CA · Charter 68741 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 7 branches
Q2 2026
$1.3BAssets
$937.1MLoans
$1.1BShares
$118.2MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 82% of credit unions $1B-$10B in assets (rank 77 of 435).
- Widest gap: efficiency ratio trails 86% of credit unions $1B-$10B in assets (rank 373 of 435).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.53%
Rank 336 of 435
Net Interest Margin
3.90%
Rank 77 of 435
Efficiency Ratio
81.07%
Rank 373 of 435
Equity / Assets
9.41%
Rank 358 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.53% | 0.55% | 0.81% | 1.14% | Beats 23% | 336 / 435 | |
| Return on Equity | 5.60% | 5.12% | 7.41% | 9.70% | Beats 31% | 299 / 435 | |
| Net Interest Margin | 3.90% | 3.01% | 3.39% | 3.75% | Beats 82% | 77 / 435 | |
| Efficiency Ratio | 81.07% | 65.25% | 71.39% | 77.86% | Beats 14% | 373 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.40% | 0.45% | 0.69% | 1.05% | Beats 79% | 91 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.41% | 9.81% | 10.84% | 12.63% | Beats 18% | 358 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.41% | 9.81% | 10.84% | 12.63% | Beats 18% | 358 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 83.19% | 78.33% | 88.38% | 95.61% | 35th pctl | 281 / 435 | |
| Loans / Assets | 74.58% | 67.69% | 74.58% | 80.80% | 50th pctl | 218 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |