South Coast Ilwu Federal Credit Union
Total assets
$18.8M
▲ +1.5% YoY
Shares & deposits
$15.4M
▲ +0.5% YoY
Loans
$9.6M
▲ +2.9% YoY
Members
1,036
▼ -1.7% YoY
ROA (annualized)
0.27%
peers 0.60%
ROE (annualized)
1.54%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.5% | +1.3% | +0.2 pts |
| Share growth (YoY) | +0.5% | +0.7% | -0.2 pts |
| Loan growth (YoY) | +2.9% | -2.4% | +5.3 pts |
| ROA | 0.27% | 0.60% | -0.3 pts |
| ROE | 1.5% | 4.1% | -2.6 pts |
ROA ranks in the 34th percentile of its peer group · Q1 2026
Profile
- Established
- 1954
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 3
- Address
- 2438 Broadway Ave, North Bend, OR, 97459
- NCUA charter #
- 9376
- RSSD ID
- 42082
- 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 | $18.8M | $15.4M | $9.6M | $3.3M | $13K | 0.27% | 4.28% | 0.03% | 1,036 |
| Q4 2025 | $18.2M | $14.8M | $9.6M | $3.3M | $218K | 1.20% | 4.64% | 0.03% | 1,055 |
| Q3 2025 | $18.7M | $15.4M | $9.7M | $3.3M | $230K | 1.64% | 4.53% | 0.00% | 1,051 |
| Q2 2025 | $18.8M | $15.6M | $9.6M | $3.2M | $147K | 1.57% | 4.48% | 0.00% | 1,054 |
| Q1 2025 | $18.5M | $15.3M | $9.3M | $3.1M | $78K | 1.70% | 4.68% | 0.00% | 1,054 |
| Q4 2024 | $17.7M | $14.6M | $9.5M | $3.0M | $315K | 1.79% | 4.82% | 0.00% | 1,023 |
| Q3 2024 | $17.7M | $14.7M | $9.5M | $2.9M | $180K | 1.36% | 4.86% | 0.00% | 1,045 |
| Q2 2024 | $17.9M | $15.0M | $9.5M | $2.9M | $130K | 1.46% | 4.81% | 0.00% | 1,048 |
Loan mix (Q1 2026): real estate $2.1M · commercial $0 · consumer $7.3M · securities $7.8M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.27% | 0.60% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 1.5% | 4.1% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.28% | 3.83% | 70th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.4% | 81.5% | 72th | |
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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