LA LOMA

Charter #10351 | CA

100M-500M (1077 CUs) Micro
63 100M-500M in CA

LA LOMA has 7 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 0.0% in tier
  • + Relationship Depth Leader: Top 0.6% in tier
  • + Emerging Performer: Top 28.7% in tier
  • + ROA 0.00% above tier average
  • + Net Interest Margin 0.42% above tier average
  • + AMR Growth Rate: Top 0.0% in tier
  • + Total Delinquency Rate (60+ days): Top 4.9% in tier

Key Concerns

Areas that may need attention

  • - Membership Headwinds: Bottom 0.1% in tier
  • - Stagnation Risk: Bottom 1.0% in tier
  • - Efficiency Drag: Bottom 27.0% in tier
  • - Margin Compression: Bottom 31.5% in tier
  • - Efficiency ratio 4.92% above tier (higher cost structure)
  • - Member decline: -44.0% YoY
  • - Member Growth Rate: Bottom 0.5% in tier
  • - Total Assets: Bottom 8.0% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 7,096
-44.0% YoY-43.6% QoQ
 -8.5K 15,628
-3.4% YoY
 59,606
+5.7% YoY
 33,089
+6.1% YoY
 Bottom 10.8% in tier
Assets $111.5M
+0.9% YoY-1.6% QoQ
 $-119.8M $231.3M
-0.0% YoY
 $1.2B
+6.2% YoY
 $547.7M
+7.8% YoY
 Bottom 7.9% in tier
Loans $73.1M
+2.4% YoY+1.7% QoQ
 $-74.7M $147.8M
-1.4% YoY
 $845.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 Bottom 17.5% in tier
Deposits $105.8M
+0.3% YoY-2.1% QoQ
 $-94.5M $200.3M
-0.0% YoY
 $1.0B
+8.8% YoY
 $464.6M
+9.3% YoY
 Bottom 14.9% in tier
ROA 0.8%
-16.7% YoY-4.3% QoQ
 +0.0% 0.8%
+15.5% YoY
 0.6%
+30.0% YoY
 0.7%
+273.4% YoY
 53rd in tier
NIM 4.0%
+9.7% YoY+0.4% QoQ
 +0.4% 3.6%
+6.9% YoY
 3.3%
+6.5% YoY
 3.7%
+5.0% YoY
 73rd in tier
Efficiency Ratio 82.2%
+6.5% YoY+0.3% QoQ
 +4.9% 77.3%
-3.0% YoY
 79.3%
-6.2% YoY
 79.1%
-3.3% YoY
 68th in tier
Delinquency Rate 0.1%
-58.5% YoY+166.0% QoQ
 -0.8 0.9%
+7.6% YoY
 0.7%
-38.7% YoY
 1.2%
-0.9% YoY
 Bottom 4.9% in tier
Loan To Share 69.1%
+2.1% YoY+3.9% QoQ
 -3.6% 72.7%
-1.5% YoY
 68.8%
-1.5% YoY
 68.0%
-1.7% YoY
 39th in tier
AMR $25,202
+80.7% YoY+76.1% QoQ
 +$839 $24,363
+2.9% YoY
 $28,514
+2.8% YoY
 $19,418
+1.3% YoY
 66th in tier
CD Concentration 11.9%
+0.3% YoY+12.0% QoQ
 -12.5% 24.4%
+4.2% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.5%
-59.9% YoY-23.8% QoQ
 -13.4% 14.0%
-5.8% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth
#2 of 1006 • Top 0.0% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 80.70%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Relationship Depth Leader

growth
#18 of 1006 • Top 0.6% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 80.70%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.6K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Emerging Performer

growth
#539 of 627 • Top 28.7% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.79%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): -44.03%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank worsening

Concerns (4)

Membership Headwinds

decline
#2 of 550 • Bottom 0.1% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -44.03%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Stagnation Risk

risk
#18 of 550 • Bottom 1.0% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.79%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -44.03%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $25.2K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 11.88%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Efficiency Drag

risk
#477 of 521 • Bottom 27.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 82.19%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.16% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): -44.03%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | New qualifier

Margin Compression

decline
#133 of 136 • Bottom 31.5% in tier

Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 0.79%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
ROA Change (YoY): -0.16% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Total Assets: $111.47M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
136 of 1077 Community CUs have this signature | 169 nationally
↓ Shrinking -43 CUs YoY | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 1077 peers in tier

Top Strengths (4 metrics)

1
AMR Growth Rate
growth
Value: 80.70%
Peer Avg: 3.64%
#1 of 1077 Top 0.0% in 100M-500M tier
54
Total Delinquency Rate (60+ days)
risk
Value: 0.10%
Peer Avg: 0.86%
#54 of 1077 Top 4.9% in 100M-500M tier
129
Net Charge-Off Rate
risk
Value: 0.08%
Peer Avg: 0.47%
#129 of 1077 Top 11.9% in 100M-500M tier
153
Share Certificate Concentration (%)
balance_sheet
Value: 11.88%
Peer Avg: 23.61%
#153 of 1077 Top 14.1% in 100M-500M tier

Top Weaknesses (8 metrics)

1073
Member Growth Rate
growth
Value: -44.03%
Peer Avg: 0.72%
#1073 of 1077 Bottom 0.5% in 100M-500M tier
992
Total Assets
balance_sheet
Value: $111.47M
Peer Avg: $231.30M
#992 of 1077 Bottom 8.0% in 100M-500M tier
961
Total Members
engagement
Value: 7,096
Peer Avg: 15,628
#961 of 1077 Bottom 10.9% in 100M-500M tier
916
Total Deposits
balance_sheet
Value: $105.77M
Peer Avg: $200.29M
#916 of 1077 Bottom 15.0% in 100M-500M tier
889
Total Loans
balance_sheet
Value: $73.06M
Peer Avg: $147.80M
#889 of 1077 Bottom 17.5% in 100M-500M tier
854
Net Worth Ratio
risk
Value: 9.51%
Peer Avg: 12.15%
#854 of 1077 Bottom 20.8% in 100M-500M tier
853
Deposit Growth Rate
growth
Value: 0.28%
Peer Avg: 4.69%
#853 of 1077 Bottom 20.9% in 100M-500M tier
815
Asset Growth Rate
growth
Value: 0.86%
Peer Avg: 4.70%
#815 of 1077 Bottom 24.4% in 100M-500M tier