SOUTH BAY
Charter #95052 · Redondo Beach, CA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.13% sits at the 16th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.51% sits at the 79th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 75th percentile but its structural peers at the 59th — a 16-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 | SOUTH BAY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $164.33M | 37th pct | 25th pct |
| Members | 9,930 | 32th pct | 33th pct |
| Net worth ratio | 9.54% | 21th pct | 30th pct |
| Return on average assets | 0.13% | 13th pct | 16th pct |
| Net interest margin | 3.67% | 51th pct | 43th pct |
| Cost of funds | 1.22% | 50th pct | 38th pct |
| Loan-to-share | 82.57% | 75th pct | 59th pct |
| Delinquency 60+ days | 0.60% | 49th pct | 56th pct |
| Net charge-off ratio | 0.51% | 66th pct | 79th pct |
| Loan growth YoY | -1.01% | 36th pct | 23th pct |
| Share growth YoY | 6.53% | 84th pct | 75th pct |
| Efficiency ratio | 85.66% | 74th pct | 67th pct |
structural peer set hash: 911c5140d12f2825fb3f65221f2f14cf… (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.