1st Northern California

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$807.7M

88^th percentile

Members

33,640

62^th percentile

Total loans

$399.2M

67^th percentile

Total shares

$701.5M

90^th percentile

Profitability

Return on assets

0.62%

27^th percentile

Net interest margin

2.65%

10^th percentile

Efficiency ratio

61.29%

39^th percentile

Non-interest income ratio

7.74%

4^th percentile

Capital & Risk

Net worth ratio

11.84%

64^th percentile

Delinquency rate

0.05%

99^th percentile

Net charge-off rate

0.02%

98^th percentile

Loan-to-share

56.91%

9^th percentile

Growth

Member growth YoY

4.00%

83^th percentile

Asset growth YoY

-1.77%

8^th percentile

Loan growth YoY

18.50%

95^th percentile

Share growth YoY

4.46%

47^th percentile

Operations

Members / branch

5,607

68^th percentile

Assets / member

$24,010

89^th percentile

Field of membership penetration

1.04%

16^th percentile

Want the full picture for 1st Northern California?

This is a free public preview. Tudovu's Industry Data Explorer adds custom peer groups, 10+ years of history, side-by-side comparisons, and one-click downloadable peer reports — used by credit unions to plan their next quarter.

See Tudovu →Free demo