Northrop Grumman Federal Credit Union
Total assets
$1.65B
▲ +4.2% YoY
Shares & deposits
$1.49B
▲ +3.9% YoY
Loans
$825.4M
▼ -2.1% YoY
Members
83,423
▲ +3.5% YoY
ROA (annualized)
0.22%
peers 0.71%
ROE (annualized)
2.52%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.3% | +5.1% | -0.9 pts |
| Share growth (YoY) | +3.9% | +4.9% | -1.0 pts |
| Loan growth (YoY) | -2.1% | +5.4% | -7.5 pts |
| ROA | 0.22% | 0.71% | -0.5 pts |
| ROE | 2.5% | 6.3% | -3.8 pts |
ROA ranks in the 11th percentile of its peer group · Q1 2026
Profile
- Established
- 1946
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- P.O. Box 47009, Gardena, CA, 90247
- NCUA charter #
- 24292
- RSSD ID
- 619194
- 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 | $1.65B | $1.49B | $825.4M | $147.3M | $927K | 0.22% | 2.92% | 1.56% | 83,423 |
| Q4 2025 | $1.62B | $1.46B | $841.4M | $146.4M | $2.9M | 0.18% | 2.86% | 1.60% | 82,676 |
| Q3 2025 | $1.61B | $1.45B | $831.8M | $148.5M | $2.5M | 0.20% | 2.84% | 1.59% | 81,880 |
| Q2 2025 | $1.60B | $1.44B | $838.2M | $147.3M | $1.2M | 0.15% | 2.78% | 1.63% | 81,196 |
| Q1 2025 | $1.59B | $1.44B | $842.9M | $146.1M | $43K | 0.01% | 2.70% | 1.52% | 80,617 |
| Q4 2024 | $1.53B | $1.38B | $853.0M | $146.0M | $1.8M | 0.12% | 2.91% | 0.54% | 76,207 |
| Q3 2024 | $1.67B | $1.38B | $852.3M | $150.9M | $4.0M | 0.32% | 2.67% | 0.46% | 76,178 |
| Q2 2024 | $1.66B | $1.38B | $856.9M | $149.8M | $2.9M | 0.35% | 2.69% | 0.42% | 75,564 |
Loan mix (Q1 2026): real estate $455.0M · commercial $67.3M · consumer $287.9M · securities $642.2M
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 | 0.22% | 0.71% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | 2.5% | 6.3% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.92% | 3.32% | 23th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.5% | 73.0% | 94th | |
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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