Chevron Federal Credit Union
Total assets
$5.44B
▲ +6.8% YoY
Shares & deposits
$4.77B
▲ +7.7% YoY
Loans
$4.06B
▲ +2.2% YoY
Members
140,127
▲ +1.6% YoY
ROA (annualized)
0.55%
peers 0.71%
ROE (annualized)
4.76%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.8% | +5.1% | +1.6 pts |
| Share growth (YoY) | +7.7% | +4.9% | +2.9 pts |
| Loan growth (YoY) | +2.1% | +5.4% | -3.3 pts |
| ROA | 0.55% | 0.71% | -0.2 pts |
| ROE | 4.8% | 6.3% | -1.5 pts |
ROA ranks in the 36th percentile of its peer group · Q1 2026
Profile
- Established
- 1935
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 2300 Clayton Rd Ste 700, Concord, CA, 94520
- NCUA charter #
- 24326
- RSSD ID
- 414894
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.44B | $4.77B | $4.06B | $628.0M | $7.5M | 0.55% | 1.59% | 0.37% | 140,127 |
| Q4 2025 | $5.10B | $4.44B | $4.08B | $620.5M | $-17.9M | -0.35% | 1.38% | 0.36% | 139,239 |
| Q3 2025 | $5.04B | $4.36B | $4.04B | $635.7M | $-17.3M | -0.46% | 1.33% | 0.37% | 139,185 |
| Q2 2025 | $5.00B | $4.33B | $3.98B | $635.6M | $-17.5M | -0.70% | 1.26% | 0.45% | 138,393 |
| Q1 2025 | $5.10B | $4.43B | $3.97B | $642.6M | $-10.4M | -0.82% | 1.15% | 0.33% | 137,968 |
| Q4 2024 | $4.91B | $4.23B | $4.00B | $653.0M | $32.2M | 0.66% | 0.93% | 0.41% | 137,779 |
| Q3 2024 | $4.84B | $4.15B | $4.02B | $656.0M | $20.1M | 0.55% | 0.93% | 0.38% | 137,630 |
| Q2 2024 | $4.84B | $4.15B | $4.04B | $682.0M | $46.1M | 1.91% | 1.00% | 0.38% | 137,062 |
Loan mix (Q1 2026): real estate $3.34B · commercial $0 · consumer $234.9M · securities $711.8M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.55% | 0.71% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 4.8% | 6.3% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.59% | 3.32% | 2th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.1% | 73.0% | 36th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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