UNIVERSITY
Charter #64171 · Los Angeles, CA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.67% sits at the 13th percentile of structural peers — worth a closer look.
- Return on average assets of 0.12% sits at the 18th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.29% sits at the 93rd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.78% sits at the 82nd percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 13th percentile but its structural peers at the 46th — a 33-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 | UNIVERSITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.19B | 13th pct | 46th pct |
| Members | 60,510 | 10th pct | 43th pct |
| Net worth ratio | 8.67% | 8th pct | 13th pct |
| Return on average assets | 0.12% | 7th pct | 18th pct |
| Net interest margin | 3.40% | 54th pct | 54th pct |
| Cost of funds | 1.57% | 40th pct | 30th pct |
| Loan-to-share | 100.66% | 92th pct | 82th pct |
| Delinquency 60+ days | 1.29% | 89th pct | 93th pct |
| Net charge-off ratio | 0.78% | 73th pct | 82th pct |
| Loan growth YoY | 2.94% | 66th pct | 70th pct |
| Share growth YoY | 4.16% | 52th pct | 64th pct |
| Efficiency ratio | 81.29% | 81th pct | 54th pct |
structural peer set hash: 2e8e157c478a636e8cb3fef7bc4e087f… (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.