Kinecta Federal Credit Union
Total assets
$6.44B
▼ -1.9% YoY
Shares & deposits
$5.72B
▲ +8.8% YoY
Loans
$5.19B
▼ -6.7% YoY
Members
229,597
▼ -7.1% YoY
ROA (annualized)
0.33%
peers 0.71%
ROE (annualized)
3.67%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.9% | +5.1% | -7.0 pts |
| Share growth (YoY) | +8.8% | +4.9% | +3.9 pts |
| Loan growth (YoY) | -6.7% | +5.4% | -12.2 pts |
| ROA | 0.33% | 0.71% | -0.4 pts |
| ROE | 3.7% | 6.3% | -2.6 pts |
ROA ranks in the 17th percentile of its peer group · Q1 2026
Profile
- Established
- 1940
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 1440 Rosecrans Ave, Manhattan Beach, CA, 90266
- NCUA charter #
- 4142
- RSSD ID
- 277473
- 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 | $6.44B | $5.72B | $5.19B | $582.3M | $5.3M | 0.33% | 2.50% | 0.42% | 229,597 |
| Q4 2025 | $6.52B | $5.65B | $5.24B | $577.0M | $21.8M | 0.33% | 2.49% | 0.42% | 231,113 |
| Q3 2025 | $6.52B | $5.63B | $5.36B | $577.5M | $17.4M | 0.36% | 2.50% | 0.45% | 235,136 |
| Q2 2025 | $6.44B | $5.38B | $5.46B | $570.0M | $9.9M | 0.31% | 2.53% | 0.37% | 239,026 |
| Q1 2025 | $6.57B | $5.26B | $5.56B | $566.4M | $6.3M | 0.39% | 2.48% | 0.40% | 247,214 |
| Q4 2024 | $6.66B | $5.01B | $5.64B | $560.1M | $8.4M | 0.13% | 2.37% | 0.49% | 250,752 |
| Q3 2024 | $6.75B | $4.82B | $5.73B | $551.3M | $-5.5M | -0.11% | 2.34% | 0.45% | 251,834 |
| Q2 2024 | $6.79B | $4.94B | $5.79B | $550.8M | $-6.0M | -0.18% | 2.33% | 0.42% | 253,772 |
Loan mix (Q1 2026): real estate $3.55B · commercial $664.8M · consumer $660.3M · securities $659.1M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.33% | 0.71% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | 3.7% | 6.3% | 22th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.50% | 3.32% | 9th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.6% | 73.0% | 71th | |
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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