Certified Federal Credit Union
Total assets
$920.0M
▲ +2.8% YoY
Shares & deposits
$720.8M
▲ +1.8% YoY
Loans
$570.9M
▲ +1.6% YoY
Members
58,317
▼ -10.4% YoY
ROA (annualized)
1.25%
peers 0.62%
ROE (annualized)
6.10%
peers 5.92%
Peer comparison 284 credit unions with 500M-1B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +4.8% | -1.9 pts |
| Share growth (YoY) | +1.8% | +4.3% | -2.5 pts |
| Loan growth (YoY) | +1.6% | +4.3% | -2.8 pts |
| ROA | 1.25% | 0.62% | +0.6 pts |
| ROE | 6.1% | 5.9% | +0.2 pts |
ROA ranks in the 84th percentile of its peer group · Q1 2026
Profile
- Established
- 1954
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 4455 Arden Dr, El Monte, CA, 91731
- NCUA charter #
- 9230
- RSSD ID
- 345886
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $920.0M | $720.8M | $570.9M | $188.8M | $2.9M | 1.25% | 3.89% | 0.42% | 58,317 |
| Q4 2025 | $903.1M | $707.4M | $569.7M | $185.9M | $11.5M | 1.27% | 3.84% | 0.57% | 60,018 |
| Q3 2025 | $898.6M | $705.6M | $569.6M | $184.3M | $8.9M | 1.33% | 3.81% | 0.51% | 66,925 |
| Q2 2025 | $895.9M | $704.7M | $566.6M | $181.2M | $5.8M | 1.30% | 3.77% | 0.41% | 66,013 |
| Q1 2025 | $894.7M | $707.9M | $562.2M | $178.1M | $2.7M | 1.21% | 3.69% | 0.38% | 65,095 |
| Q4 2024 | $871.7M | $687.8M | $569.1M | $173.7M | $11.5M | 1.31% | 3.48% | 0.63% | 64,912 |
| Q3 2024 | $782.4M | $608.9M | $511.2M | $164.9M | $6.9M | 1.18% | 3.81% | 0.71% | 158,395 |
| Q2 2024 | $787.9M | $617.0M | $516.6M | $162.8M | $4.8M | 1.23% | 3.79% | 0.51% | 58,108 |
Loan mix (Q1 2026): real estate $326.2M · commercial $8.6M · consumer $229.0M · securities $249.2M
Ratio pack Q1 2026 · peer medians from 284 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.25% | 0.62% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 6.1% | 5.9% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.89% | 3.48% | 80th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.9% | 78.3% | 14th | |
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 (8q) | 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 (8q) | 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 (8q) | 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 (8q) | 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.
Similar credit unions
- Community First Credit UnionSanta Rosa, CA · $922.1M
- Merced School Employees Federal Credit UnionMerced, CA · $897.5M
- Sun Community Federal Credit UnionEl Centro, CA · $896.5M
- First City Credit UnionPasadena, CA · $952.4M
- Skyone Federal Credit UnionHawthorne, CA · $875.8M
- Oceanair Federal Credit UnionOxnard, CA · $870.8M
Selling to Certified Federal Credit Union?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.