WATER AND POWER COMMUNITY
Charter #68493 · LOS ANGELES, CA · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.68% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.58% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.08% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.60% sits at the 75th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 99th percentile but its structural peers at the 52nd — a 46-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 | WATER AND POWER COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $990.76M | 99th pct | 52th pct |
| Members | 44,876 | 60th pct | 39th pct |
| Net worth ratio | 9.17% | 22th pct | 43th pct |
| Return on average assets | 0.68% | 55th pct | 84th pct |
| Net interest margin | 3.58% | 56th pct | 85th pct |
| Cost of funds | 1.08% | 26th pct | 18th pct |
| Loan-to-share | 83.79% | 56th pct | 41th pct |
| Delinquency 60+ days | 0.59% | 50th pct | 38th pct |
| Net charge-off ratio | 0.60% | 67th pct | 75th pct |
| Loan growth YoY | -0.55% | 31th pct | 39th pct |
| Share growth YoY | 0.81% | 12th pct | 18th pct |
| Efficiency ratio | 78.97% | 54th pct | 34th pct |
structural peer set hash: 2ff9ead35125c44575b015193d01aa1c… (reproducible)
Closest structural peers
This is the free public view
Claim WATER AND POWER COMMUNITY
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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.