Ventura County

Ventura, CA · 2 · Charter #68458 · www.onlinebanking.vccuonlin
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
$1.4B
28th percentile
Members
78,197
27th percentile
Total loans
$1.0B
26th percentile
Total shares
$1.3B
34th percentile

Profitability

Return on assets
1.21%
65th percentile
Net interest margin
3.56%
74th percentile
Efficiency ratio
55.09%
34th percentile
Non-interest income ratio
13.31%
17th percentile

Capital & Risk

Net worth ratio
9.88%
30th percentile
Delinquency rate
1.78%
6th percentile
Net charge-off rate
0.46%
56th percentile
Loan-to-share
78.34%
26th percentile

Growth

Member growth YoY
1.95%
45th percentile
Asset growth YoY
1.96%
21th percentile
Loan growth YoY
7.62%
66th percentile
Share growth YoY
1.62%
18th percentile

Operations

Members / branch
9,775
72th percentile
Assets / member
$18,498
55th percentile
Field of membership penetration
6.11%
52th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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