HANIN
Charter #24549 · Los Angeles, CA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 5.36% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 3.29% sits at the 95th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.03% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 96th percentile but its structural peers at the 77th — 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 | HANIN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $31.73M | 65th pct | 74th pct |
| Members | 2,228 | 56th pct | 52th pct |
| Net worth ratio | 14.00% | 53th pct | 46th pct |
| Return on average assets | 0.79% | 57th pct | 54th pct |
| Net interest margin | 5.36% | 96th pct | 77th pct |
| Cost of funds | 3.29% | 99th pct | 95th pct |
| Loan-to-share | 100.06% | 99th pct | 90th pct |
| Delinquency 60+ days | 1.40% | 77th pct | 62th pct |
| Net charge-off ratio | -0.03% | 16th pct | 13th pct |
| Loan growth YoY | -4.62% | 33th pct | 28th pct |
| Share growth YoY | -16.57% | 0th pct | 2th pct |
| Efficiency ratio | 85.21% | 63th pct | 66th pct |
structural peer set hash: bb05e0bc7da55c65641b5e87d7b2c670… (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.