POPA
Charter #23004 · Cerritos, CA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.34% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.24% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.77% sits at the 85th percentile of structural peers — worth a closer look.
- Efficiency ratio of 72.31% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 78th percentile but its structural peers at the 59th — a 19-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 | POPA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $399.42M | 89th pct | 80th pct |
| Members | 20,443 | 78th pct | 59th pct |
| Net worth ratio | 11.63% | 52th pct | 61th pct |
| Return on average assets | 0.94% | 66th pct | 70th pct |
| Net interest margin | 4.34% | 85th pct | 84th pct |
| Cost of funds | 1.15% | 46th pct | 56th pct |
| Loan-to-share | 68.69% | 44th pct | 54th pct |
| Delinquency 60+ days | 0.24% | 17th pct | 7th pct |
| Net charge-off ratio | 0.77% | 82th pct | 85th pct |
| Loan growth YoY | -0.05% | 47th pct | 33th pct |
| Share growth YoY | 0.93% | 16th pct | 13th pct |
| Efficiency ratio | 72.31% | 30th pct | 13th pct |
structural peer set hash: 6357ed1240db8531094c3ea49bf4dc77… (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.