HUNTINGTON BEACH
Charter #60967 · Huntington Beac, CA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,954 sits at the 11th percentile of structural peers — worth a closer look.
- Return on average assets of 1.65% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 61.71% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 9th percentile but its structural peers at the 33rd — a 24-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 | HUNTINGTON BEACH | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $55.82M | 15th pct | 31th pct |
| Members | 1,954 | 1th pct | 11th pct |
| Net worth ratio | 12.89% | 51th pct | 59th pct |
| Return on average assets | 1.65% | 88th pct | 90th pct |
| Net interest margin | 3.57% | 42th pct | 64th pct |
| Cost of funds | 0.81% | 42th pct | 57th pct |
| Loan-to-share | 34.80% | 9th pct | 33th pct |
| Delinquency 60+ days | 0.37% | 35th pct | 44th pct |
| Net charge-off ratio | 0.06% | 27th pct | 30th pct |
| Loan growth YoY | 3.37% | 87th pct | 85th pct |
| Share growth YoY | 1.35% | 33th pct | 34th pct |
| Efficiency ratio | 61.71% | 12th pct | 10th pct |
structural peer set hash: 64defce49ffcdb1c4c82d1d663c8747c… (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.