Sesloc

SAN LUIS OBISPO, CA · 2 · Charter #68741 · www.sesloc.org
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$1.2B
15th percentile
Members
55,815
8th percentile
Total loans
$890.6M
17th percentile
Total shares
$1.1B
21th percentile

Profitability

Return on assets
0.81%
36th percentile
Net interest margin
3.66%
80th percentile
Efficiency ratio
65.33%
6th percentile
Non-interest income ratio
13.87%
20th percentile

Capital & Risk

Net worth ratio
9.48%
20th percentile
Delinquency rate
0.67%
57th percentile
Net charge-off rate
0.29%
78th percentile
Loan-to-share
81.81%
33th percentile

Growth

Member growth YoY
2.24%
50th percentile
Asset growth YoY
6.43%
57th percentile
Loan growth YoY
4.88%
49th percentile
Share growth YoY
6.25%
60th percentile

Operations

Members / branch
9,303
68th percentile
Assets / member
$21,811
79th percentile
Field of membership penetration
1.59%
15th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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