INTERFAITH
Charter #5816 · MONTCLAIR, CA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 4,778 sits at the 11th percentile of structural peers — worth a closer look.
- Net interest margin of 3.03% sits at the 16th percentile of structural peers — worth a closer look.
- Cost of funds of 1.22% sits at the 79th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.01% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- On Cost of funds, the asset-size band puts this credit union at the 50th percentile but its structural peers at the 79th — a 28-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 | INTERFAITH | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $135.35M | 23th pct | 31th pct |
| Members | 4,778 | 3th pct | 11th pct |
| Net worth ratio | 11.65% | 53th pct | 62th pct |
| Return on average assets | 0.64% | 45th pct | 62th pct |
| Net interest margin | 3.03% | 16th pct | 16th pct |
| Cost of funds | 1.22% | 50th pct | 79th pct |
| Loan-to-share | 61.45% | 30th pct | 56th pct |
| Delinquency 60+ days | 0.61% | 50th pct | 49th pct |
| Net charge-off ratio | 0.01% | 8th pct | 7th pct |
| Loan growth YoY | 2.93% | 75th pct | 72th pct |
| Share growth YoY | 1.85% | 26th pct | 43th pct |
| Efficiency ratio | 79.44% | 53th pct | 28th pct |
structural peer set hash: c2af1051468088d8f36ee4fe650768f0… (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.