Corazo Credit Union
El Centro, CA·Charter 68356·cu:68356·Credit union RBC / net worth
- #113 of 239Total assets in California
- 23.7Kmembers
- Top 2%Net interest margin in the U.S.
- Top 4%Margin improvement in the U.S.
- #10 of 202Share growth in California
Performance over time
7 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
Credit union · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Corazo Credit Union
7 of 23 FORFI signals stand out against 770 similar credit unions, based on NCUA data for the quarter.
Return on assets falling while the peer median holds steadyWorth a look: Earnings 2nd quarter1.34%peers 0.81%+53 bps
Corazo Credit Union's annualized return on assets fell 602 bps over the past year to 1.34%. Among 770 similar credit unions, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized return on assets | ||
| 1.34% | 0.81% | +53 bps |
| 12-month change | ||
| -602 bps | 0 bps | -602 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 770 credit unions with $100 million to $300 million in assets that filed NCUA data for the same quarter. Corazo Credit Union itself is left out of every peer median and percentile. How signals work
Efficiency ratio rising faster than peersWorth a look: Efficiency 2nd quarter67.7%peers 77.0%-9.3 pp
Corazo Credit Union's efficiency ratio rose 32.8 percentage points over the past year to 67.7%. Among 770 similar credit unions, the median rose 0.3 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 67.7% | 77.0% | -9.3 pp |
| 12-month change | ||
| +32.8 pp | +0.3 pp | +32.5 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 770 credit unions with $100 million to $300 million in assets that filed NCUA data for the same quarter. Corazo Credit Union itself is left out of every peer median and percentile. How signals work
Shares and deposits growing faster than peersStrength: Funding+12.8%peers +3.5%+9.3 pp
Corazo Credit Union's shares and deposits grew 12.8% over the past year to $208 million. The median among 770 similar credit unions was +3.5%.
| This institution | Peer median | Difference |
|---|---|---|
| Shares and deposits, 12-month growth | ||
| +12.8% | +3.5% | +9.3 pp |
| Shares and deposits | ||
| $208 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 770 credit unions with $100 million to $300 million in assets that filed NCUA data for the same quarter. Corazo Credit Union itself is left out of every peer median and percentile. How signals work
Delinquent loans rising faster than peersWorth a look: Asset quality2.51%peers 0.71%+179 bps
Corazo Credit Union's loans 60+ days delinquent as a share of loans rose 102 bps over the past year to 2.51%. Among 770 similar credit unions, the median rose 3 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Loans 60+ days delinquent as a share of loans | ||
| 2.51% | 0.71% | +179 bps |
| 12-month change | ||
| +102 bps | +3 bps | +100 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 770 credit unions with $100 million to $300 million in assets that filed NCUA data for the same quarter. Corazo Credit Union itself is left out of every peer median and percentile. How signals work
Net worth ratio falling while the peer median risesWorth a look: Capital14.01%peers 11.74%+2.3 pp
Corazo Credit Union's net worth ratio fell 0.8 percentage points over the past year to 14.01%. Among 770 similar credit unions, the median rose 0.3 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Net worth ratio | ||
| 14.01% | 11.74% | +2.3 pp |
| 12-month change | ||
| -0.8 pp | +0.3 pp | -1.1 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 770 credit unions with $100 million to $300 million in assets that filed NCUA data for the same quarter. Corazo Credit Union itself is left out of every peer median and percentile. How signals work
2 more observations
- Net interest margin widening faster than peersEarnings
- Reliance on share certificates rising faster than peersFunding
Key facts
- Corazo Credit Union is a state-chartered credit union headquartered in El Centro, California. It reported $244 million in total assets for the quarter ended June 30, 2026.
- Shares and deposits totaled $208 million, up 12.8% from a year earlier, and loans totaled $179 million, up 6.0%.
- Its net interest margin on average assets was 5.11% and its annualized return on assets was 1.34% for the quarter.
- Its cost of all shares and deposits was 1.46%, compared with a median of 1.30% among 770 similar credit unions with $100 million to $300 million in assets.
- It served 23,687 members, up 3.3% from a year earlier.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Corazo Credit Union's own data, FORFI would look at: Which relationships and products drive the change in earnings, and where pricing has drifted.
Analysis workspaces
Sources and identifiers
- Institution
- Corazo Credit Union · Credit union
- NCUA charter
- 68356
- Reporting period
- Peer group
- 770 credit unions with $100 million to $300 million in assets that filed NCUA data for the same quarter. Corazo Credit Union itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
NCUA · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation |
|---|---|
| $811.49K | |
| $3.85M | |
| $752.75K | |
| $3.09M | |
| $962.89K | |
| $2.74M | |
| $499.91K | |
| $499.91K | |
| 1.34% | |
| 5.11% | |
| 67.66% |
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-16T13:43:41.229347+00:00. Separate reference provenance is included in the export.