Novo

Norco, CA · 1 · Charter #15784 · www.novocu.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
$19.8M
61th percentile
Members
2,290
73th percentile
Total loans
$12.9M
74th percentile
Total shares
$16.7M
62th percentile

Profitability

Return on assets
1.12%
65th percentile
Net interest margin
5.25%
88th percentile
Efficiency ratio
78.69%
26th percentile
Non-interest income ratio
15.01%
69th percentile

Capital & Risk

Net worth ratio
13.60%
41th percentile
Delinquency rate
0.38%
63th percentile
Net charge-off rate
0.24%
48th percentile
Loan-to-share
77.49%
73th percentile

Growth

Member growth YoY
2.19%
85th percentile
Asset growth YoY
9.82%
91th percentile
Loan growth YoY
-0.74%
59th percentile
Share growth YoY
-1.10%
40th percentile

Operations

Members / branch
2,290
83th percentile
Assets / member
$8,659
45th percentile
Field of membership penetration
28.63%
42th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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