I.L.W.U. Federal Credit Union
Total assets
$601.9M
▲ +16.5% YoY
Shares & deposits
$546.9M
▲ +16.7% YoY
Loans
$397.3M
▲ +9.5% YoY
Members
30,315
▲ +9.1% YoY
ROA (annualized)
1.07%
peers 0.62%
ROE (annualized)
11.47%
peers 5.92%
Peer comparison 284 credit unions with 500M-1B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +16.5% | +4.8% | +11.7 pts |
| Share growth (YoY) | +16.7% | +4.3% | +12.4 pts |
| Loan growth (YoY) | +9.4% | +4.3% | +5.1 pts |
| ROA | 1.07% | 0.62% | +0.5 pts |
| ROE | 11.5% | 5.9% | +5.5 pts |
ROA ranks in the 77th percentile of its peer group · Q1 2026
Profile
- Established
- 1972
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- P.O. Box 7629, Long Beach, CA, 90807
- NCUA charter #
- 24916
- RSSD ID
- 1875157
- 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 | $601.9M | $546.9M | $397.3M | $56.2M | $1.6M | 1.07% | 3.55% | 0.49% | 30,315 |
| Q4 2025 | $567.1M | $513.1M | $401.3M | $54.6M | $6.2M | 1.10% | 3.66% | 0.60% | 30,502 |
| Q3 2025 | $561.5M | $508.5M | $401.6M | $53.2M | $4.6M | 1.09% | 3.59% | 0.62% | 30,671 |
| Q2 2025 | $521.5M | $474.2M | $365.2M | $48.4M | $3.1M | 1.20% | 3.51% | 0.95% | 28,050 |
| Q1 2025 | $516.7M | $468.8M | $363.0M | $46.9M | $1.6M | 1.24% | 3.42% | 0.68% | 27,784 |
| Q4 2024 | $502.0M | $442.0M | $362.9M | $45.3M | $4.0M | 0.80% | 3.17% | 0.67% | 27,535 |
| Q3 2024 | $517.3M | $450.7M | $362.8M | $44.7M | $3.1M | 0.80% | 3.03% | 0.68% | 27,318 |
| Q2 2024 | $498.0M | $433.2M | $360.5M | $43.8M | $2.3M | 0.91% | 3.10% | 0.77% | 26,978 |
Loan mix (Q1 2026): real estate $204.4M · commercial $13.4M · consumer $172.2M · securities $112.4M
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 | 1.07% | 0.62% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 11.5% | 5.9% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.55% | 3.48% | 57th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.6% | 78.3% | 37th | |
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.
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