FINANCIAL PARTNERS
Charter #68457 · DOWNEY, CA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.03% sits at the 16th percentile of structural peers — worth a closer look.
- Net interest margin of 2.67% sits at the 8th percentile of structural peers — worth a closer look.
- Cost of funds of 2.44% sits at the 89th percentile of structural peers — worth a closer look.
- On Efficiency ratio, the asset-size band puts this credit union at the 57th percentile but its structural peers at the 28th — a 29-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 | FINANCIAL PARTNERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.25B | 50th pct | 64th pct |
| Members | 93,670 | 37th pct | 59th pct |
| Net worth ratio | 9.03% | 13th pct | 16th pct |
| Return on average assets | 0.75% | 53th pct | 70th pct |
| Net interest margin | 2.67% | 14th pct | 8th pct |
| Cost of funds | 2.44% | 84th pct | 89th pct |
| Loan-to-share | 92.02% | 69th pct | 64th pct |
| Delinquency 60+ days | 0.82% | 69th pct | 67th pct |
| Net charge-off ratio | 0.54% | 52th pct | 62th pct |
| Loan growth YoY | -1.07% | 13th pct | 16th pct |
| Share growth YoY | 1.62% | 15th pct | 28th pct |
| Efficiency ratio | 74.79% | 57th pct | 28th pct |
structural peer set hash: f96a203b13518f4ae9e6c64d83c06504… (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.