California Federal Credit Union
Total assets
$5.41B
Shares & deposits
$4.87B
Loans
$3.48B
Members
212,037
ROA (annualized)
0.41%
peers 0.71%
ROE (annualized)
4.41%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | — | +5.1% | — |
| Share growth (YoY) | — | +4.9% | — |
| Loan growth (YoY) | — | +5.4% | — |
| ROA | 0.41% | 0.71% | -0.3 pts |
| ROE | 4.4% | 6.3% | -1.9 pts |
ROA ranks in the 22nd percentile of its peer group · Q1 2026
Profile
- Established
- 1933
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 701 N Brand Blvd, Glendale, CA, 91203
- NCUA charter #
- 24980
- RSSD ID
- 234597
- Latest call report
- Q1 2026
Total assets last 2 quarters
Members last 2 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.41B | $4.87B | $3.48B | $501.9M | $5.5M | 0.41% | 2.52% | 0.39% | 212,037 |
| Q4 2025 | $5.38B | $4.83B | $3.48B | $496.4M | $31.5M | 0.59% | 2.37% | 0.46% | 202,633 |
Loan mix (Q1 2026): real estate $2.34B · commercial $566.4M · consumer $568.9M · securities $868.3M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (2q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.41% | 0.71% | 22th | |
Return on equity Annualized net income ÷ equity or net worth | 4.4% | 6.3% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.52% | 3.32% | 10th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.9% | 73.0% | 90th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (2q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (2q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (2q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (2q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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