Central Valley Firefighters

FRESNO, CA · 2 · Charter #68008 · WWW.CVFIRECU.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
$48.4M
99th percentile
Members
2,478
76th percentile
Total loans
$26.3M
95th percentile
Total shares
$41.6M
99th percentile

Profitability

Return on assets
0.96%
57th percentile
Net interest margin
4.12%
56th percentile
Efficiency ratio
70.62%
42th percentile
Non-interest income ratio
9.22%
50th percentile

Capital & Risk

Net worth ratio
13.34%
39th percentile
Delinquency rate
0.78%
48th percentile
Net charge-off rate
0.28%
45th percentile
Loan-to-share
63.22%
53th percentile

Growth

Member growth YoY
-0.24%
64th percentile
Asset growth YoY
5.94%
79th percentile
Loan growth YoY
5.13%
79th percentile
Share growth YoY
5.63%
79th percentile

Operations

Members / branch
2,478
86th percentile
Assets / member
$19,518
95th percentile
Field of membership penetration
49.56%
65th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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