Interfaith
Montclair, CA · Charter 5816 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
$134.8MAssets
$72.2MLoans
$118.3MShares
$16.0MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 70% of credit unions under $1B in assets (rank 511 of 1682).
- Widest gap: net interest margin trails 79% of credit unions under $1B in assets (rank 1335 of 1683).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.67%
Rank 924 of 1,683
Net Interest Margin
3.20%
Rank 1,335 of 1,683
Efficiency Ratio
78.34%
Rank 850 of 1,682
Equity / Assets
11.87%
Rank 1,014 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.67% | 0.35% | 0.74% | 1.18% | Beats 45% | 924 / 1,683 | | |
| Return on Equity | 5.64% | 2.67% | 5.89% | 8.74% | Beats 47% | 883 / 1,681 | | |
| Net Interest Margin | 3.20% | 3.31% | 3.82% | 4.32% | Beats 21% | 1,335 / 1,683 | | |
| Efficiency Ratio | 78.34% | 68.91% | 78.20% | 86.93% | Beats 50% | 850 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.34% | 0.26% | 0.65% | 1.29% | Beats 70% | 511 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.87% | 10.44% | 12.89% | 16.53% | Beats 40% | 1,014 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.87% | 10.44% | 12.89% | 16.53% | Beats 40% | 1,014 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 61.06% | 52.61% | 69.38% | 83.50% | 36th pctl | 1,072 / 1,683 | | |
| Loans / Assets | 53.58% | 44.71% | 59.18% | 70.72% | 40th pctl | 1,011 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |