El Monte Community

El Monte, CA · 3 · Charter #95072 · www.elmonteccu.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$31.6M
79th percentile
Members
2,637
79th percentile
Total loans
$17.2M
83th percentile
Total shares
$27.6M
80th percentile

Profitability

Return on assets
1.50%
78th percentile
Net interest margin
4.36%
64th percentile
Efficiency ratio
71.12%
41th percentile
Non-interest income ratio
21.88%
86th percentile

Capital & Risk

Net worth ratio
10.98%
23th percentile
Delinquency rate
0.29%
66th percentile
Net charge-off rate
0.14%
56th percentile
Loan-to-share
62.26%
52th percentile

Growth

Member growth YoY
0.42%
72th percentile
Asset growth YoY
-2.93%
25th percentile
Loan growth YoY
7.34%
85th percentile
Share growth YoY
-4.72%
22th percentile

Operations

Members / branch
2,637
88th percentile
Assets / member
$11,987
71th percentile
Field of membership penetration
1.04%
7th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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