Torrance Community

Torrance, CA · 1 · Charter #12543 · www.torranceccu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$161.0M
76th percentile
Members
8,034
54th percentile
Total loans
$68.2M
57th percentile
Total shares
$149.0M
81th percentile

Profitability

Return on assets
1.00%
48th percentile
Net interest margin
3.20%
26th percentile
Efficiency ratio
63.91%
47th percentile
Non-interest income ratio
11.80%
24th percentile

Capital & Risk

Net worth ratio
10.00%
23th percentile
Delinquency rate
0.10%
94th percentile
Net charge-off rate
0.15%
75th percentile
Loan-to-share
45.81%
15th percentile

Growth

Member growth YoY
2.87%
85th percentile
Asset growth YoY
5.48%
64th percentile
Loan growth YoY
5.49%
73th percentile
Share growth YoY
2.54%
42th percentile

Operations

Members / branch
8,034
96th percentile
Assets / member
$20,043
85th percentile
Field of membership penetration
2.04%
28th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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