San Joaquin Power Employees

FRESNO, CA · 2 · Charter #66788 · www.sjpecu.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
$178.5M
83th percentile
Members
6,548
40th percentile
Total loans
$126.6M
89th percentile
Total shares
$145.9M
80th percentile

Profitability

Return on assets
0.58%
22th percentile
Net interest margin
1.31%
0th percentile
Efficiency ratio
18.06%
100th percentile
Non-interest income ratio
3.05%
2th percentile

Capital & Risk

Net worth ratio
14.79%
75th percentile
Delinquency rate
0.03%
97th percentile
Net charge-off rate
0.00%
97th percentile
Loan-to-share
86.74%
82th percentile

Growth

Member growth YoY
-0.02%
58th percentile
Asset growth YoY
3.08%
43th percentile
Loan growth YoY
5.67%
74th percentile
Share growth YoY
2.86%
45th percentile

Operations

Members / branch
6,548
93th percentile
Assets / member
$27,265
95th percentile
Field of membership penetration
9.40%
57th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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