RIZE
Charter #7835 · EL MONTE, CA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.34% sits at the 0th percentile of structural peers — worth a closer look.
- Cost of funds of 2.76% sits at the 97th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.94% sits at the 82nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.06% sits at the 95th percentile of structural peers — worth a closer look.
- Efficiency ratio of 87.28% sits at the 92nd percentile of structural peers — worth a closer look.
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 | RIZE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.31B | 20th pct | 46th pct |
| Members | 83,435 | 30th pct | 52th pct |
| Net worth ratio | 10.32% | 40th pct | 54th pct |
| Return on average assets | -0.34% | 1th pct | 0th pct |
| Net interest margin | 3.54% | 63th pct | 51th pct |
| Cost of funds | 2.76% | 91th pct | 97th pct |
| Loan-to-share | 93.58% | 75th pct | 84th pct |
| Delinquency 60+ days | 0.94% | 76th pct | 82th pct |
| Net charge-off ratio | 1.06% | 86th pct | 95th pct |
| Loan growth YoY | 3.79% | 72th pct | 77th pct |
| Share growth YoY | 4.15% | 52th pct | 52th pct |
| Efficiency ratio | 87.28% | 93th pct | 92th pct |
structural peer set hash: a067d030ce50d2a6eeb73369f87cd85a… (reproducible)
Closest structural peers
This is the free public view
Claim RIZE
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.