FOX
Charter #16954 · LOS ANGELES, CA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.72% sits at the 8th percentile of structural peers — worth a closer look.
- Net interest margin of 3.12% sits at the 21st percentile of structural peers — worth a closer look.
- Cost of funds of 0.65% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 120.25% sits at the 95th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 79th percentile but its structural peers at the 26th — a 53-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 | FOX | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $38.15M | 79th pct | 26th pct |
| Members | 2,976 | 75th pct | 41th pct |
| Net worth ratio | 9.08% | 11th pct | 26th pct |
| Return on average assets | -0.72% | 8th pct | 8th pct |
| Net interest margin | 3.12% | 20th pct | 21th pct |
| Cost of funds | 0.65% | 41th pct | 20th pct |
| Loan-to-share | 74.37% | 76th pct | 41th pct |
| Delinquency 60+ days | 0.35% | 39th pct | 34th pct |
| Net charge-off ratio | 0.27% | 60th pct | 62th pct |
| Loan growth YoY | -2.93% | 46th pct | 43th pct |
| Share growth YoY | -6.43% | 2th pct | 2th pct |
| Efficiency ratio | 120.25% | 97th pct | 95th pct |
structural peer set hash: dd9d2dcd18fa3f5a490a3cd8a3db2b32… (reproducible)
Closest structural peers
This is the free public view
Claim FOX
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.