EL MONTE COMMUNITY
Charter #95072 · El Monte, CA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.47% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.11% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 68th percentile but its structural peers at the 34th — a 33-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 | EL MONTE COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $32.96M | 68th pct | 34th pct |
| Members | 2,649 | 67th pct | 52th pct |
| Net worth ratio | 10.67% | 23th pct | 38th pct |
| Return on average assets | 0.58% | 46th pct | 51th pct |
| Net interest margin | 4.47% | 77th pct | 89th pct |
| Cost of funds | 0.11% | 8th pct | 16th pct |
| Loan-to-share | 59.51% | 54th pct | 57th pct |
| Delinquency 60+ days | 0.21% | 30th pct | 39th pct |
| Net charge-off ratio | 0.30% | 62th pct | 61th pct |
| Loan growth YoY | 2.81% | 86th pct | 85th pct |
| Share growth YoY | -1.53% | 15th pct | 8th pct |
| Efficiency ratio | 84.47% | 61th pct | 57th pct |
structural peer set hash: 7cb41bb3edfeb2eaab3f657f74c647fc… (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.