Water And Power Community Credit Union
Total assets
$990.8M
▲ +1.0% YoY
Shares & deposits
$834.5M
▼ -0.0% YoY
Loans
$699.3M
▲ +3.1% YoY
Members
44,876
▲ +0.1% YoY
ROA (annualized)
0.67%
peers 0.62%
ROE (annualized)
7.33%
peers 5.92%
Peer comparison 284 credit unions with 500M-1B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.0% | +4.8% | -3.8 pts |
| Share growth (YoY) | -0.0% | +4.3% | -4.3 pts |
| Loan growth (YoY) | +3.1% | +4.3% | -1.2 pts |
| ROA | 0.67% | 0.62% | +0.1 pts |
| ROE | 7.3% | 5.9% | +1.4 pts |
ROA ranks in the 55th percentile of its peer group · Q1 2026
Profile
- Established
- 1936
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 1053 W Sunset Blvd, Los Angeles, CA, 90012
- NCUA charter #
- 68493
- RSSD ID
- 425993
- 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 | $990.8M | $834.5M | $699.3M | $90.9M | $1.7M | 0.67% | 3.54% | 0.59% | 44,876 |
| Q4 2025 | $971.4M | $811.2M | $703.8M | $89.2M | $5.2M | 0.53% | 3.45% | 0.72% | 44,895 |
| Q3 2025 | $1.00B | $827.9M | $703.1M | $90.0M | $3.7M | 0.49% | 3.31% | 0.81% | 44,948 |
| Q2 2025 | $957.0M | $822.5M | $689.6M | $88.6M | $2.3M | 0.48% | 3.42% | 0.79% | 44,798 |
| Q1 2025 | $980.9M | $834.7M | $677.9M | $86.9M | $541K | 0.22% | 3.25% | 0.95% | 44,839 |
| Q4 2024 | $944.7M | $804.0M | $662.8M | $86.4M | $1.3M | 0.14% | 3.16% | 0.83% | 44,744 |
| Q3 2024 | $960.6M | $825.8M | $660.5M | $88.2M | $771K | 0.11% | 3.09% | 0.90% | 44,810 |
| Q2 2024 | $942.5M | $829.5M | $645.7M | $88.2M | $745K | 0.16% | 3.19% | 0.72% | 44,744 |
Loan mix (Q1 2026): real estate $398.9M · commercial $0 · consumer $124.4M · securities $207.0M
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 | 0.67% | 0.62% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 7.3% | 5.9% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.54% | 3.48% | 56th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.0% | 78.3% | 54th | |
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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