DOWNEY
Charter #11870 · Downey, CA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.64% sits at the 21st percentile of structural peers — worth a closer look.
- Net interest margin of 2.98% sits at the 8th percentile of structural peers — worth a closer look.
- Cost of funds of 1.67% sits at the 84th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 78th percentile but its structural peers at the 61st — a 17-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 | DOWNEY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $331.20M | 78th pct | 61th pct |
| Members | 19,401 | 76th pct | 61th pct |
| Net worth ratio | 8.64% | 9th pct | 21th pct |
| Return on average assets | 0.34% | 25th pct | 36th pct |
| Net interest margin | 2.98% | 14th pct | 8th pct |
| Cost of funds | 1.67% | 75th pct | 84th pct |
| Loan-to-share | 64.96% | 36th pct | 41th pct |
| Delinquency 60+ days | 0.48% | 39th pct | 38th pct |
| Net charge-off ratio | 0.24% | 36th pct | 34th pct |
| Loan growth YoY | -4.88% | 7th pct | 5th pct |
| Share growth YoY | 2.83% | 40th pct | 49th pct |
| Efficiency ratio | 88.21% | 80th pct | 70th pct |
structural peer set hash: 2e9486806e4841acd1c4d4cc5c8d21a8… (reproducible)
Closest structural peers
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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.