BOPTI
Charter #10433 · SAN PEDRO, CA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 24.19% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.76% sits at the 11th percentile of structural peers — worth a closer look.
- Cost of funds of 2.12% sits at the 97th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.81% sits at the 85th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 35th percentile but its structural peers at the 74th — a 39-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | BOPTI | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $64.39M | 35th pct | 74th pct |
| Members | 4,274 | 33th pct | 69th pct |
| Net worth ratio | 24.19% | 98th pct | 92th pct |
| Return on average assets | 0.81% | 57th pct | 56th pct |
| Net interest margin | 2.76% | 9th pct | 11th pct |
| Cost of funds | 2.12% | 94th pct | 97th pct |
| Loan-to-share | 42.88% | 18th pct | 49th pct |
| Delinquency 60+ days | 1.53% | 87th pct | 69th pct |
| Net charge-off ratio | 0.81% | 85th pct | 85th pct |
| Loan growth YoY | -12.29% | 1th pct | 2th pct |
| Share growth YoY | -13.62% | 0th pct | 0th pct |
| Efficiency ratio | 67.82% | 22th pct | 31th pct |
structural peer set hash: 47aaeb3f01e4721f1a6c0aaa82554735… (reproducible)
Closest structural peers
This is the free public view
Claim BOPTI
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.