TORRANCE COMMUNITY
Charter #12543 · Torrance, CA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 0.06% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 27th percentile but its structural peers at the 52nd — a 26-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 | TORRANCE COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $160.03M | 35th pct | 49th pct |
| Members | 8,075 | 19th pct | 34th pct |
| Net worth ratio | 10.21% | 30th pct | 43th pct |
| Return on average assets | 0.61% | 43th pct | 52th pct |
| Net interest margin | 3.27% | 27th pct | 52th pct |
| Cost of funds | 0.64% | 24th pct | 28th pct |
| Loan-to-share | 47.63% | 10th pct | 13th pct |
| Delinquency 60+ days | 0.06% | 3th pct | 8th pct |
| Net charge-off ratio | 0.11% | 20th pct | 28th pct |
| Loan growth YoY | 7.63% | 95th pct | 89th pct |
| Share growth YoY | 1.64% | 23th pct | 33th pct |
| Efficiency ratio | 83.34% | 67th pct | 52th pct |
structural peer set hash: 41fea0ab28d8aa036e233bbfb0ebbccd… (reproducible)
Closest structural peers
This is the free public view
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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.