GAIN
Charter #3943 · Burbank, CA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.38% sits at the 10th percentile of structural peers — worth a closer look.
- Return on average assets of 0.07% sits at the 10th percentile of structural peers — worth a closer look.
- Net interest margin of 2.64% sits at the 11th percentile of structural peers — worth a closer look.
- Efficiency ratio of 93.81% sits at the 93rd percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 78th percentile but its structural peers at the 57th — a 20-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 | GAIN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $439.33M | 95th pct | 79th pct |
| Members | 20,403 | 78th pct | 57th pct |
| Net worth ratio | 8.38% | 6th pct | 10th pct |
| Return on average assets | 0.07% | 11th pct | 10th pct |
| Net interest margin | 2.64% | 6th pct | 11th pct |
| Cost of funds | 1.05% | 41th pct | 48th pct |
| Loan-to-share | 59.51% | 26th pct | 43th pct |
| Delinquency 60+ days | 0.35% | 26th pct | 30th pct |
| Net charge-off ratio | 0.37% | 51th pct | 61th pct |
| Loan growth YoY | 3.34% | 77th pct | 79th pct |
| Share growth YoY | 2.67% | 38th pct | 44th pct |
| Efficiency ratio | 93.81% | 92th pct | 93th pct |
structural peer set hash: 31072a1b3d6a353adfd9056a3b9a73f8… (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.