Yolo Federal Credit Union
Woodland, CA·Charter 9293·cu:9293·Credit union RBC / net worth
- #94 of 239Total assets in California
- 23.5Kmembers
- Top 1%Cost of deposits vs. peers
- Top 1%Lowest cost of deposits in the U.S.
- Top 4%Return on assets in the U.S.
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 Yolo Federal Credit Union
7 of 24 FORFI signals stand out against 569 similar credit unions, based on NCUA data for the quarter.
Share and deposit costs among the lowest of similar credit unionsStrength: Funding 2nd quarter0.25%peers 1.45%-120 bps
Yolo Federal Credit Union's cost of all shares and deposits was 0.25%, compared with a median of 1.45% among 566 similar credit unions: the lowest of them.
| This institution | Peer median | Difference |
|---|---|---|
| Cost of all shares and deposits | ||
| 0.25% | 1.45% | -120 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: 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Yolo Federal Credit Union itself is left out of every peer median and percentile. How signals work
Auto lending growing while the peer median shrinksStrength: Lending 2nd quarter+26.0%peers -1.2%+27.2 pp
Yolo Federal Credit Union's auto loans grew 26.0% over the past year to $146 million. The median among 563 similar credit unions was -1.2%.
| This institution | Peer median | Difference |
|---|---|---|
| Auto loans, 12-month growth | ||
| +26.0% | -1.2% | +27.2 pp |
| Auto loans | ||
| $146 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: 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Yolo Federal Credit Union itself is left out of every peer median and percentile. How signals work
Return on assets rising faster than peersStrength: Earnings2.05%peers 0.81%+124 bps
Yolo Federal Credit Union's annualized return on assets rose 128 bps over the past year to 2.05%. Among 561 similar credit unions, the median rose 9 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized return on assets | ||
| 2.05% | 0.81% | +124 bps |
| 12-month change | ||
| +128 bps | +9 bps | +119 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: 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Yolo Federal Credit Union itself is left out of every peer median and percentile. How signals work
Efficiency ratio falling faster than peersStrength: Efficiency66.1%peers 75.9%-9.9 pp
Yolo Federal Credit Union's efficiency ratio fell 13.8 percentage points over the past year to 66.1%. Among 561 similar credit unions, the median fell 0.6 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 66.1% | 75.9% | -9.9 pp |
| 12-month change | ||
| -13.8 pp | -0.6 pp | -13.2 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: 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Yolo Federal Credit Union itself is left out of every peer median and percentile. How signals work
3 more observations
- Reliance on share certificates falling while the peer median risesFunding
- Share and deposit costs falling faster than peersFunding
- Fee and other noninterest income among the highest of similar credit unionsEarnings
Key facts
- Yolo Federal Credit Union is a federally chartered credit union headquartered in Woodland, California. It reported $412 million in total assets for the quarter ended June 30, 2026.
- Shares and deposits totaled $340 million, down 2.1% from a year earlier, and loans totaled $306 million, up 9.1%.
- Its net interest margin on average assets was 4.10% and its annualized return on assets was 2.05% for the quarter.
- Its cost of all shares and deposits was 0.25%, compared with a median of 1.45% among 566 similar credit unions with $300 million to $1 billion in assets.
- It served 23,459 members, up 3.8% 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 Yolo Federal Credit Union's own data, FORFI would look at: Which depositors and relationships drive the change in funding, and what to offer them next.
Analysis workspaces
Sources and identifiers
- Institution
- Yolo Federal Credit Union · Credit union
- NCUA charter
- 9293
- Reporting period
- Peer group
- 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Yolo Federal 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 |
|---|---|
| $2.1M | |
| $4.61M | |
| $402.55K | |
| $4.21M | |
| $2.5M | |
| $4.43M | |
| $171.79K | |
| $173.24K | |
| 2.05% | |
| 4.10% | |
| 66.06% |
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.