I.L.W.U.
Long Beach, CA · Charter 24916 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 6 branches
Q2 2026
$607.5MAssets
$407.5MLoans
$550.2MShares
$58.1MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 92% of credit unions under $1B in assets (rank 132 of 1681).
- Widest gap: equity / assets trails 84% of credit unions under $1B in assets (rank 1418 of 1683).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
1.16%
Rank 433 of 1,683
Net Interest Margin
3.58%
Rank 1,055 of 1,683
Efficiency Ratio
73.80%
Rank 629 of 1,682
Equity / Assets
9.56%
Rank 1,418 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.16% | 0.35% | 0.74% | 1.18% | Beats 74% | 433 / 1,683 | | |
| Return on Equity | 12.18% | 2.67% | 5.89% | 8.74% | Beats 92% | 132 / 1,681 | | |
| Net Interest Margin | 3.58% | 3.31% | 3.82% | 4.32% | Beats 37% | 1,055 / 1,683 | | |
| Efficiency Ratio | 73.80% | 68.91% | 78.20% | 86.93% | Beats 63% | 629 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.89% | 0.26% | 0.65% | 1.29% | Beats 39% | 1,035 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.56% | 10.44% | 12.89% | 16.53% | Beats 16% | 1,418 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.56% | 10.44% | 12.89% | 16.53% | Beats 16% | 1,418 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 74.07% | 52.61% | 69.38% | 83.50% | 59th pctl | 694 / 1,683 | | |
| Loans / Assets | 67.08% | 44.71% | 59.18% | 70.72% | 67th pctl | 559 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |