CERTIFIED
Charter #9230 · El Monte, CA · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 20.52% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.26% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.42% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.02% sits at the 84th percentile of structural peers — worth a closer look.
- Efficiency ratio of 64.91% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
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 | CERTIFIED | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $919.97M | 88th pct | 52th pct |
| Members | 58,317 | 85th pct | 54th pct |
| Net worth ratio | 20.52% | 99th pct | 97th pct |
| Return on average assets | 1.26% | 84th pct | 82th pct |
| Net interest margin | 3.93% | 80th pct | 64th pct |
| Cost of funds | 1.51% | 52th pct | 54th pct |
| Loan-to-share | 79.20% | 44th pct | 61th pct |
| Delinquency 60+ days | 0.42% | 32th pct | 20th pct |
| Net charge-off ratio | 1.02% | 88th pct | 84th pct |
| Loan growth YoY | 0.22% | 43th pct | 44th pct |
| Share growth YoY | 2.15% | 24th pct | 20th pct |
| Efficiency ratio | 64.91% | 14th pct | 16th pct |
structural peer set hash: 71330605b0374221ea94d9ea79f666cc… (reproducible)
Closest structural peers
This is the free public view
Claim CERTIFIED
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.