FOOTHILL
Charter #12425 · Arcadia, CA · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 34,654 sits at the 13th percentile of structural peers — worth a closer look.
- Net worth ratio of 12.30% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.01% sits at the 18th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.18% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 89.09% sits at the 87th percentile of structural peers — worth a closer look.
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 | FOOTHILL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $772.24M | 64th pct | 39th pct |
| Members | 34,654 | 30th pct | 13th pct |
| Net worth ratio | 12.30% | 74th pct | 84th pct |
| Return on average assets | 0.46% | 33th pct | 34th pct |
| Net interest margin | 3.01% | 21th pct | 18th pct |
| Cost of funds | 1.64% | 64th pct | 66th pct |
| Loan-to-share | 81.20% | 50th pct | 34th pct |
| Delinquency 60+ days | 0.18% | 10th pct | 7th pct |
| Net charge-off ratio | 0.29% | 35th pct | 36th pct |
| Loan growth YoY | 4.51% | 88th pct | 87th pct |
| Share growth YoY | 2.70% | 31th pct | 51th pct |
| Efficiency ratio | 89.09% | 88th pct | 87th pct |
structural peer set hash: cb7922b25204b92f3b243c63369eb0e3… (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.