L'OREAL USA
Charter #21109 · Clark, NJ · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 25.38% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -0.47% sits at the 10th percentile of structural peers — worth a closer look.
- Cost of funds of 0.19% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.21% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 112.92% sits at the 93rd 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 | L'OREAL USA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $21.06M | 38th pct | 44th pct |
| Members | 1,673 | 32th pct | 51th pct |
| Net worth ratio | 25.38% | 95th pct | 80th pct |
| Return on average assets | -0.47% | 11th pct | 10th pct |
| Net interest margin | 3.18% | 22th pct | 33th pct |
| Cost of funds | 0.19% | 14th pct | 16th pct |
| Loan-to-share | 44.03% | 27th pct | 41th pct |
| Delinquency 60+ days | 0.60% | 50th pct | 48th pct |
| Net charge-off ratio | -0.21% | 5th pct | 7th pct |
| Loan growth YoY | -7.74% | 15th pct | 13th pct |
| Share growth YoY | 1.73% | 42th pct | 43th pct |
| Efficiency ratio | 112.92% | 95th pct | 93th pct |
structural peer set hash: 90482ae0ff987f49030893ab74a5b44e… (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.