KINECTA
Charter #4142 · Manhattan Beach, CA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.04% sits at the 23rd percentile of structural peers — worth a closer look.
- Return on average assets of 0.33% sits at the 23rd percentile of structural peers — worth a closer look.
- Net interest margin of 2.49% sits at the 20th percentile of structural peers — worth a closer look.
- On Cost of funds, the asset-size band puts this credit union at the 76th percentile but its structural peers at the 59th — 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 | KINECTA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $6.44B | 87th pct | 82th pct |
| Members | 229,597 | 76th pct | 69th pct |
| Net worth ratio | 9.04% | 14th pct | 23th pct |
| Return on average assets | 0.33% | 16th pct | 23th pct |
| Net interest margin | 2.49% | 9th pct | 20th pct |
| Cost of funds | 2.25% | 76th pct | 59th pct |
| Loan-to-share | 90.68% | 64th pct | 52th pct |
| Delinquency 60+ days | 0.42% | 28th pct | 33th pct |
| Net charge-off ratio | 0.49% | 47th pct | 59th pct |
| Loan growth YoY | -3.23% | 3th pct | 8th pct |
| Share growth YoY | 1.66% | 15th pct | 25th pct |
| Efficiency ratio | 78.61% | 73th pct | 59th pct |
structural peer set hash: 33993fe1fab326d30ea73256020b6d53… (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.