HONDA
Charter #17623 · Torrance, CA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 0.34% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.29% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 87.27% sits at the 85th percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 56th percentile but its structural peers at the 28th — a 28-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 | HONDA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.20B | 14th pct | 41th pct |
| Members | 60,566 | 10th pct | 26th pct |
| Net worth ratio | 9.15% | 17th pct | 26th pct |
| Return on average assets | 0.52% | 31th pct | 51th pct |
| Net interest margin | 3.45% | 56th pct | 28th pct |
| Cost of funds | 1.71% | 46th pct | 62th pct |
| Loan-to-share | 88.17% | 55th pct | 57th pct |
| Delinquency 60+ days | 0.34% | 19th pct | 11th pct |
| Net charge-off ratio | 0.29% | 22th pct | 13th pct |
| Loan growth YoY | 2.11% | 55th pct | 66th pct |
| Share growth YoY | 0.89% | 8th pct | 7th pct |
| Efficiency ratio | 87.27% | 93th pct | 85th pct |
structural peer set hash: f1f15ec302e48847355767bc3a18e10a… (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.