F & A
Charter #1493 · MONTEREY PARK, CA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 44,883 sits at the 20th percentile of structural peers — worth a closer look.
- Net interest margin of 1.60% sits at the 5th percentile of structural peers — worth a closer look.
- Cost of funds of 3.72% sits at the 98th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.21% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.08% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
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 | F & A | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.06B | 65th pct | 72th pct |
| Members | 44,883 | 2th pct | 20th pct |
| Net worth ratio | 12.53% | 76th pct | 74th pct |
| Return on average assets | 0.72% | 50th pct | 51th pct |
| Net interest margin | 1.60% | 2th pct | 5th pct |
| Cost of funds | 3.72% | 99th pct | 98th pct |
| Loan-to-share | 59.72% | 7th pct | 31th pct |
| Delinquency 60+ days | 0.21% | 8th pct | 21th pct |
| Net charge-off ratio | 0.08% | 4th pct | 13th pct |
| Loan growth YoY | 4.58% | 78th pct | 85th pct |
| Share growth YoY | 3.56% | 39th pct | 58th pct |
| Efficiency ratio | 52.15% | 3th pct | 3th pct |
structural peer set hash: 930fcae13fd2f9dcde15d2efdd70997e… (reproducible)
Closest structural peers
This is the free public view
Claim F & A
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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.