Certified

El Monte, CA · 1 · Charter #9230 · www.certifiedfed.com
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$903.1M
94th percentile
Members
60,018
94th percentile
Total loans
$569.7M
87th percentile
Total shares
$704.7M
90th percentile

Profitability

Return on assets
1.74%
90th percentile
Net interest margin
3.84%
75th percentile
Efficiency ratio
53.75%
71th percentile
Non-interest income ratio
20.65%
60th percentile

Capital & Risk

Net worth ratio
20.58%
99th percentile
Delinquency rate
0.57%
63th percentile
Net charge-off rate
0.77%
20th percentile
Loan-to-share
80.85%
52th percentile

Growth

Member growth YoY
-7.54%
4th percentile
Asset growth YoY
3.60%
39th percentile
Loan growth YoY
0.11%
27th percentile
Share growth YoY
3.83%
41th percentile

Operations

Members / branch
5,456
65th percentile
Assets / member
$15,047
39th percentile
Field of membership penetration
13.34%
78th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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