Families and Schools Together
Hanford, CA · Charter 9109 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 3 branches
Q2 2026
$329.6MAssets
$242.6MLoans
$260.3MShares
$66.0MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 97% of credit unions under $1B in assets in CA (rank 3 of 63).
- Widest gap: nonperforming loans / loans trails 45% of credit unions under $1B in assets in CA (rank 29 of 62).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
2.52%
Rank 3 of 63
Net Interest Margin
4.50%
Rank 9 of 63
Efficiency Ratio
52.43%
Rank 3 of 63
Equity / Assets
20.04%
Rank 5 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.52% | 0.17% | 0.56% | 1.17% | Beats 95% | 3 / 63 | | |
| Return on Equity | 12.56% | 1.81% | 4.79% | 8.64% | Beats 90% | 6 / 63 | | |
| Net Interest Margin | 4.50% | 3.18% | 3.49% | 3.98% | Beats 86% | 9 / 63 | | |
| Efficiency Ratio | 52.43% | 70.58% | 81.25% | 89.21% | Beats 97% | 3 / 63 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.37% | 0.17% | 0.42% | 0.85% | Beats 55% | 29 / 62 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 20.04% | 8.61% | 10.56% | 14.01% | Beats 92% | 5 / 63 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 20.04% | 8.61% | 10.56% | 14.01% | Beats 92% | 5 / 63 | | |
| Liquidity & Funding |
| Loans / Deposits | 93.22% | 53.46% | 72.75% | 85.33% | 90th pctl | 6 / 62 | | |
| Loans / Assets | 73.62% | 46.35% | 58.08% | 72.17% | 78th pctl | 14 / 63 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |