| # | Institution | Type | Metro | Assets | Efficiency ratio |
|---|---|---|---|---|---|
| 1 | Altos Bank Los Altos, CA | Bank | San Jose-Sunnyvale-Santa Clara, CA | $68.8M | 253.85% |
| 2 | Beverly Hills City Employees Federal Credit Union Beverly Hills, CA | Credit Union | — | $14.9M | 170.85% |
| 3 | Summit Bank Oakland, CA | Bank | San Francisco-Oakland-Berkeley, CA | $264.4M | 152.65% |
| 4 | Hatch Bank San Marcos, CA | Bank | San Diego-Chula Vista-Carlsbad, CA | $177.5M | 151.58% |
| 5 | Legacy Bank Murrieta, CA | Bank | Riverside-San Bernardino-Ontario, CA | $112.8M | 142.44% |
| 6 | Jones Methodist Church Credit Union Burlingame, CA | Credit Union | — | $257K | 139.95% |
| 7 | Fountain Valley Credit Union Fountain Valley, CA | Credit Union | — | $2.0M | 135.88% |
| 8 | Slo Credit Union San Luis Obispo, CA |
| Credit Union |
| — |
| $29.7M |
| 124.48% |
| 9 | Polam Federal Credit Union Redwood City, CA | Credit Union | — | $73.6M | 121.61% |
| 10 | Fox Federal Credit Union Los Angeles, CA | Credit Union | — | $38.1M | 120.25% |
| 11 | Universal City Studios Credit Union Burbank, CA | Credit Union | — | $71.8M | 120.18% |
| 12 | Icon Business Bank Riverside, CA | Bank | Riverside-San Bernardino-Ontario, CA | $155.5M | 118.37% |
| 13 | Monterey County Bank Monterey, CA | Bank | Salinas, CA | $300.4M | 117.88% |
| 14 | Polam Federal Credit Union Los Angeles, CA | Credit Union | — | $73.4M | 115.09% |
| 15 | Technicolor Federal Credit Union Burbank, CA | Credit Union | — | $84.9M | 114.74% |
| 16 | Corrections Federal Credit Union Soledad, CA | Credit Union | — | $36.4M | 114.21% |
| 17 | Atchison Village Credit Union Richmond, CA | Credit Union | — | $13.3M | 113.11% |
| 18 | Liberty Bank, National Association Irvine, CA | Bank | Los Angeles-Long Beach-Anaheim, CA | $399.2M | 110.84% |
| 19 | Gateway Bank, F.S.B. Oakland, CA | Bank | San Francisco-Oakland-Berkeley, CA | $288.2M | 110.67% |
| 20 | Northern Redwood Federal Credit Union Arcata, CA | Credit Union | — | $24.5M | 110.53% |
| 21 | Sea Air Federal Credit Union Seal Beach, CA | Credit Union | — | $118.2M | 109.93% |
| 22 | Clearpath Federal Credit Union Burbank, CA | Credit Union | — | $224.4M | 109.69% |
| 23 | Inland Federal Credit Union La Mesa, CA | Credit Union | — | $14.8M | 108.99% |
| 24 | Jacom Credit Union Los Angeles, CA | Credit Union | — | $54.9M | 108.77% |
| 25 | Premier America Credit Union Chatsworth, CA | Credit Union | — | $3.31B | 108.52% |
| 26 | Silverado Credit Union Angwin, CA | Credit Union | — | $48.6M | 107.65% |
| 27 | Genesis Bank Newport Beach, CA | Bank | Los Angeles-Long Beach-Anaheim, CA | $340.3M | 107.35% |
| 28 | Diablo Valley Federal Credit Union Concord, CA | Credit Union | — | $40.1M | 104.79% |
| 29 | Santa Cruz Community Credit Union Santa Cruz, CA | Credit Union | — | $174.3M | 104.59% |
| 30 | Shell Western States Federal Credit Union Martinez, CA | Credit Union | — | $69.3M | 104.07% |
| 31 | L.A. Healthcare Federal Credit Union Los Angeles, CA | Credit Union | — | $15.0M | 103.68% |
| 32 | Beach Cities Commercial Bank Irvine, CA | Bank | Los Angeles-Long Beach-Anaheim, CA | $188.9M | 100.29% |
| 33 | Valley Oak Credit Union Three Rivers, CA | Credit Union | — | $82.3M | 99.95% |
| 34 | Capstone Federal Credit Union Aliso Viejo, CA | Credit Union | — | $34.6M | 99.66% |
| 35 | Center City Community Credit Union Buena Park, CA | Credit Union | — | $25.3M | 99.25% |
| 36 | San Francisco Lee Federal Credit Union San Francisco, CA | Credit Union | — | $10.7M | 99.17% |
| 37 | Edwards Federal Credit Union Edwards, CA | Credit Union | — | $278.9M | 98.99% |
| 38 | Mid-Cities Credit Union Compton, CA | Credit Union | — | $16.3M | 97.16% |
| 39 | Mckesson & Healthcare Providers Federal Credit Union Martinez, CA | Credit Union | — | $93.3M | 97.11% |
| 40 | Espeeco Federal Credit Union Bakersfield, CA | Credit Union | — | $12.4M | 96.99% |
| 41 | Thinkwise Federal Credit Union San Bernardino, CA | Credit Union | — | $121.2M | 96.71% |
| 42 | First Federal Savings and Loan Association of San Rafael San Rafael, CA | Bank | San Francisco-Oakland-Berkeley, CA | $222.1M | 96.67% |
| 43 | Fontana Federal Credit Union Fontana, CA | Credit Union | — | $17.2M | 96.28% |
| 44 | San Francisco Fire Credit Union San Francisco, CA | Credit Union | — | $1.60B | 96.07% |
| 45 | Santa Maria Associated Employees Federal Credit Union Santa Maria, CA | Credit Union | — | $4.9M | 96.04% |
| 46 | Central State Credit Union Stockton, CA | Credit Union | — | $255.2M | 95.10% |
| 47 | Dow Great Western Credit Union Antioch, CA | Credit Union | — | $48.2M | 94.86% |
| 48 | Valley Agricultural Federal Credit Union Santa Paula, CA | Credit Union | — | $4.8M | 94.61% |
| 49 | Kaiperm Federal Credit Union Walnut Creek, CA | Credit Union | — | $109.0M | 94.46% |
| 50 | United Local Credit Union Fresno, CA | Credit Union | — | $121.1M | 93.99% |