Central State

Stockton, CA · 2 · Charter #60363 · www.centralstatecu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$228.8M
95th percentile
Members
14,357
88th percentile
Total loans
$64.8M
55th percentile
Total shares
$212.2M
99th percentile

Profitability

Return on assets
0.61%
23th percentile
Net interest margin
2.91%
15th percentile
Efficiency ratio
76.56%
12th percentile
Non-interest income ratio
24.98%
83th percentile

Capital & Risk

Net worth ratio
10.01%
24th percentile
Delinquency rate
0.27%
82th percentile
Net charge-off rate
0.85%
14th percentile
Loan-to-share
30.53%
3th percentile

Growth

Member growth YoY
-5.53%
10th percentile
Asset growth YoY
-2.43%
9th percentile
Loan growth YoY
1.86%
54th percentile
Share growth YoY
-5.24%
3th percentile

Operations

Members / branch
3,589
61th percentile
Assets / member
$15,937
62th percentile
Field of membership penetration
0.95%
14th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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