Golden Valley

Manteca, CA · 1 · Charter #11652 · www.goldenvalleyfcu.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$38.9M
88th percentile
Members
3,298
88th percentile
Total loans
$22.9M
92th percentile
Total shares
$32.9M
88th percentile

Profitability

Return on assets
1.71%
85th percentile
Net interest margin
4.34%
64th percentile
Efficiency ratio
59.83%
65th percentile
Non-interest income ratio
9.14%
49th percentile

Capital & Risk

Net worth ratio
11.36%
25th percentile
Delinquency rate
0.94%
43th percentile
Net charge-off rate
1.42%
11th percentile
Loan-to-share
69.63%
63th percentile

Growth

Member growth YoY
0.55%
73th percentile
Asset growth YoY
-1.53%
33th percentile
Loan growth YoY
-0.38%
61th percentile
Share growth YoY
0.23%
48th percentile

Operations

Members / branch
3,298
94th percentile
Assets / member
$11,781
69th percentile
Field of membership penetration
0.41%
2th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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