CREDIT UNION OF SOUTHERN CA, A
Charter #24983 · Anaheim, CA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.18% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 2.13% sits at the 85th percentile of structural peers — worth a closer look.
- Efficiency ratio of 63.41% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- On Cost of funds, the asset-size band puts this credit union at the 68th percentile but its structural peers at the 85th — a 17-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 | CREDIT UNION OF SOUTHERN CA, A | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.94B | 73th pct | 70th pct |
| Members | 185,895 | 70th pct | 62th pct |
| Net worth ratio | 11.27% | 61th pct | 64th pct |
| Return on average assets | 1.18% | 81th pct | 85th pct |
| Net interest margin | 3.06% | 32th pct | 33th pct |
| Cost of funds | 2.13% | 68th pct | 85th pct |
| Loan-to-share | 67.90% | 13th pct | 28th pct |
| Delinquency 60+ days | 0.48% | 35th pct | 38th pct |
| Net charge-off ratio | 0.65% | 62th pct | 72th pct |
| Loan growth YoY | — | — | — |
| Share growth YoY | — | — | — |
| Efficiency ratio | 63.41% | 20th pct | 10th pct |
structural peer set hash: 74134fc4321b0e2c7ea123d6b943e434… (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.