Prospectors FCU
City of Industr, CA · Charter 6072 · Peer group: credit unions under $1B in assets (n=1,754-1,761)
NCUA · 3 branches
Q3 2024
$97.3MAssets
$64.8MLoans
$82.3MShares
$9.9MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 54% of credit unions under $1B in assets (rank 804 of 1757).
- Widest gap: net interest margin trails 92% of credit unions under $1B in assets (rank 1624 of 1761).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.12%
Rank 1,447 of 1,761
Net Interest Margin
2.37%
Rank 1,624 of 1,761
Efficiency Ratio
97.06%
Rank 1,582 of 1,754
Equity / Assets
10.21%
Rank 1,300 of 1,761
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.12% | 0.26% | 0.70% | 1.22% | Beats 18% | 1,447 / 1,761 | |
| Return on Equity | 1.15% | 2.09% | 5.52% | 9.08% | Beats 19% | 1,422 / 1,761 | |
| Net Interest Margin | 2.37% | 3.03% | 3.59% | 4.25% | Beats 8% | 1,624 / 1,761 | |
| Efficiency Ratio | 97.06% | 68.95% | 77.94% | 87.14% | Beats 10% | 1,582 / 1,754 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.56% | 0.26% | 0.65% | 1.27% | Beats 54% | 804 / 1,757 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.20% | 10.05% | 12.42% | 15.87% | Beats 26% | 1,300 / 1,761 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.21% | 10.05% | 12.42% | 15.87% | Beats 26% | 1,300 / 1,761 | |
| Liquidity & Funding |
| Loans / Deposits | 78.70% | 56.21% | 73.13% | 85.64% | 60th pctl | 701 / 1,759 | |
| Loans / Assets | 66.56% | 47.85% | 62.48% | 73.19% | 59th pctl | 717 / 1,761 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |