LOS ANGELES LEE
Charter #16570 | CA
<100M
(2596 CUs)
Micro
($0-$500M)
92 <100M in CA
LOS ANGELES LEE has 7 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.01% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 6.4% in tier
- + AMR Growth Rate: Top 8.4% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 10.35% above tier average
- - Member decline: -8.2% YoY
- - Total Members: Bottom 0.7% in tier
- - Total Delinquency Rate (60+ days): Bottom 2.0% in tier
- - Total Assets: Bottom 4.1% in tier
- - Total Deposits: Bottom 4.2% in tier
- - Members Per Employee (MPE): Bottom 4.4% in tier
- - Total Loans: Bottom 5.1% in tier
- - Member Growth Rate: Bottom 8.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
67
-8.2% YoY-2.9% QoQ
|
-2.6K |
2,625
-2.2% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
Bottom 0.7% in tier |
| Assets |
$657,847
+3.2% YoY-1.3% QoQ
|
$-29.2M |
$29.9M
+1.1% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 4.1% in tier |
| Loans |
$289,818
+1.8% YoY-5.4% QoQ
|
$-15.5M |
$15.8M
-2.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 5.1% in tier |
| Deposits |
$502,942
+1.5% YoY-2.4% QoQ
|
$-25.0M |
$25.5M
+0.4% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
Bottom 4.1% in tier |
| ROA |
1.7%
+210.5% YoY-23.7% QoQ
|
+1.0% |
0.7%
-731.4% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
Top 14.9% in tier |
| NIM |
3.4%
+41.2% YoY-18.8% QoQ
|
-0.6% |
3.9%
+3.8% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
29th in tier |
| Efficiency Ratio |
50.2%
-35.2% YoY+6.5% QoQ
|
-31.2% |
81.4%
-2.4% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 6.4% in tier |
| Delinquency Rate |
11.9%
+59.5% YoY-48.1% QoQ
|
+10.3 |
1.5%
-2.0% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
Top 2.0% in tier |
| Loan To Share |
57.6%
+0.3% YoY-3.1% QoQ
|
-3.6% |
61.2%
-3.0% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
45th in tier |
| AMR |
$11,832
+10.7% YoY-0.6% QoQ
|
$-3K |
$14,627
-2.7% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
38th in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
168
Efficiency Ratio
profitability
Value:
50.22%
Peer Avg: 81.39%
#168 of 2596
Top 6.4% in <100M tier
220
AMR Growth Rate
growth
Value:
10.74%
Peer Avg: 4.67%
#220 of 2596
Top 8.4% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
350
Net Worth Ratio
risk
Value:
23.30%
Peer Avg: 16.43%
#350 of 2596
Top 13.4% in <100M tier
386
Return on Assets (ROA)
profitability
Value:
1.69%
Peer Avg: 0.68%
#386 of 2596
Top 14.8% in <100M tier
Top Weaknesses (8 metrics)
2579
Total Members
engagement
Value:
67
Peer Avg: 2,626
#2579 of 2596
Bottom 0.7% in <100M tier
2546
Total Delinquency Rate (60+ days)
risk
Value:
11.86%
Peer Avg: 1.51%
#2546 of 2596
Bottom 2.0% in <100M tier
2490
Total Assets
balance_sheet
Value:
$657,847
Peer Avg: $29.86M
#2490 of 2596
Bottom 4.1% in <100M tier
2489
Total Deposits
balance_sheet
Value:
$502,942
Peer Avg: $25.45M
#2489 of 2596
Bottom 4.2% in <100M tier
2483
Members Per Employee (MPE)
engagement
Value:
67.000
Peer Avg: 365.701
#2483 of 2596
Bottom 4.4% in <100M tier
2464
Total Loans
balance_sheet
Value:
$289,818
Peer Avg: $15.77M
#2464 of 2596
Bottom 5.1% in <100M tier
2379
Member Growth Rate
growth
Value:
-8.22%
Peer Avg: 14.92%
#2379 of 2596
Bottom 8.4% in <100M tier
2243
Fee Income Per Member
profitability
Value:
$4.36
Peer Avg: $182.96
#2243 of 2596
Bottom 13.6% in <100M tier