University Credit Union
Total assets
$1.19B
▲ +4.2% YoY
Shares & deposits
$1.01B
▲ +4.4% YoY
Loans
$1.02B
▲ +6.4% YoY
Members
60,510
▲ +4.9% YoY
ROA (annualized)
0.12%
peers 0.71%
ROE (annualized)
1.40%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.2% | +5.1% | -0.9 pts |
| Share growth (YoY) | +4.4% | +4.9% | -0.4 pts |
| Loan growth (YoY) | +6.4% | +5.4% | +1.0 pts |
| ROA | 0.12% | 0.71% | -0.6 pts |
| ROE | 1.4% | 6.3% | -4.9 pts |
ROA ranks in the 7th percentile of its peer group · Q1 2026
Profile
- Established
- 1950
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 1500 S Sepulveda Blvd, Los Angeles, CA, 90025
- NCUA charter #
- 64171
- RSSD ID
- 321899
- 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 | $1.19B | $1.01B | $1.02B | $103.0M | $360K | 0.12% | 3.37% | 1.29% | 60,510 |
| Q4 2025 | $1.17B | $981.7M | $997.7M | $102.6M | $588K | 0.05% | 3.14% | 1.64% | 59,567 |
| Q3 2025 | $1.15B | $970.1M | $988.1M | $101.9M | $-165K | -0.02% | 3.15% | 1.58% | 58,940 |
| Q2 2025 | $1.15B | $977.5M | $975.7M | $101.4M | $-605K | -0.11% | 3.07% | 1.52% | 57,653 |
| Q1 2025 | $1.14B | $967.6M | $955.8M | $102.7M | $9K | 0.00% | 3.00% | 1.25% | 57,682 |
| Q4 2024 | $1.14B | $965.4M | $948.9M | $102.3M | $5.8M | 0.51% | 3.01% | 1.36% | 56,372 |
| Q3 2024 | $1.13B | $961.3M | $983.0M | $102.2M | $5.7M | 0.67% | 3.01% | 1.16% | 55,948 |
| Q2 2024 | $1.15B | $952.9M | $1.01B | $102.1M | $5.7M | 0.98% | 2.94% | 1.08% | 54,424 |
Loan mix (Q1 2026): real estate $605.0M · commercial $95.9M · consumer $168.0M · securities $42.3M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | University Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.12% | 0.71% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | 1.4% | 6.3% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.37% | 3.32% | 54th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.3% | 73.0% | 80th | |
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 | University Credit Union | 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 | University Credit Union | 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 | University Credit Union | 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 | University Credit Union | 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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