CREDIT UNION OF SOUTHERN CALIFORNIA

Charter #68456 | CA

3B-5B (76 CUs) Mid-Market (380 CUs)
10 3B-5B in CA

CREDIT UNION OF SOUTHERN CALIFORNIA has 10 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 0.4% in tier
  • + Organic Growth Leader: Top 1.0% in tier
  • + Wallet Share Momentum: Top 7.2% in tier
  • + Relationship Depth Leader: Top 7.8% in tier
  • + ROA 0.20% above tier average
  • + Strong member growth: 18.6% YoY
  • + Loan Growth Rate: Top 3.9% in tier
  • + Deposit Growth Rate: Top 3.9% in tier
  • + Member Growth Rate: Top 5.3% in tier
  • + Indirect Auto Concentration (%): Top 7.9% in tier

Key Concerns

Areas that may need attention

  • - Cost Spiral: Bottom 10.7% in tier
  • - Margin Compression: Bottom 13.4% in tier
  • - Total Loans: Bottom 3.9% in tier
  • - Loan-to-Share Ratio: Bottom 7.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 183,092
+18.6% YoY+2.0% QoQ
 -55.4K 238,465
+0.6% YoY
 59,606
+5.7% YoY
 33,089
+6.1% YoY
 30th in tier
Assets $3.6B
+6.7% YoY+3.9% QoQ
 $-325.5M $4.0B
-0.1% YoY
 $1.2B
+6.2% YoY
 $547.7M
+7.8% YoY
 34th in tier
Loans $2.1B
+24.0% YoY+0.4% QoQ
 $-946.7M $3.0B
+3.3% YoY
 $845.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 Bottom 2.6% in tier
Deposits $3.0B
+31.5% YoY+3.9% QoQ
 $-354.5M $3.3B
+1.1% YoY
 $1.0B
+8.8% YoY
 $464.6M
+9.3% YoY
 28th in tier
ROA 0.9%
-18.4% YoY+5.2% QoQ
 +0.2% 0.7%
+5.3% YoY
 0.6%
+30.0% YoY
 0.7%
+273.4% YoY
 63rd in tier
NIM 3.1%
+20.2% YoY+1.2% QoQ
 -0.1% 3.2%
+13.7% YoY
 3.3%
+6.5% YoY
 3.7%
+5.0% YoY
 43rd in tier
Efficiency Ratio 70.9%
+13.5% YoY-1.3% QoQ
 -0.4% 71.3%
-0.6% YoY
 79.3%
-6.2% YoY
 79.1%
-3.3% YoY
 54th in tier
Delinquency Rate 0.5%
-4.7% YoY+4.5% QoQ
 -0.3 0.8%
+15.9% YoY
 0.7%
-38.7% YoY
 1.2%
-0.9% YoY
 41st in tier
Loan To Share 69.6%
-5.7% YoY-3.4% QoQ
 -21.3% 90.8%
+2.0% YoY
 68.8%
-1.5% YoY
 68.0%
-1.7% YoY
 Bottom 6.6% in tier
AMR $27,587
+8.2% YoY+0.5% QoQ
 $-2K $29,088
+0.1% YoY
 $28,514
+2.8% YoY
 $19,418
+1.3% YoY
 43rd in tier
CD Concentration 26.0%
+30.7% YoY+19.3% QoQ
 -3.0% 29.0%
+0.8% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 38th in tier
Indirect Auto % 0.3%
-58.2% YoY-14.6% QoQ
 -18.5% 18.8%
-2.8% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 Bottom 14.2% in tier

Signature Analysis

Strengths (4)

Organic Growth Engine

growth
#4 of 246 • Top 0.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 18.63%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 0.94%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 0.29%
(Tier: 18.80%, National: 7.90%)
better than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | New qualifier

Organic Growth Leader

growth
#5 of 138 • Top 1.0% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 18.63%
(Tier: 3.18%, National: 9.37%)
better than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | New qualifier

Wallet Share Momentum

growth
#53 of 264 • Top 7.2% in tier

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

Why This Signature
AMR Growth (YoY): 8.19%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Relationship Depth Leader

growth
#57 of 264 • Top 7.8% in tier

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

Why This Signature
AMR Growth (YoY): 8.19%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.0K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Concerns (2)

Cost Spiral

risk
#7 of 14 • Bottom 10.7% in tier

Historically lean operator now seeing efficiency ratio rise significantly. Efficiency advantage eroding - early intervention critical.

Why This Signature
Efficiency Ratio Change: 8.42% points
(Tier: -7.46% points, National: -1.81% points)
worse than tier avg
Efficiency Ratio (Prior Year): -
(Tier: -, National: -)
Total Assets: $3.65B
(Tier: $3.97B, National: $547.69M)
worse than tier avg
14 of 380 Mid-Market CUs have this signature | 80 nationally
→ Stable (16→14 CUs) -2 CUs YoY | New qualifier

Margin Compression

decline
#12 of 24 • Bottom 13.4% in tier

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

Why This Signature
Return on Assets: 0.94%
(Tier: 0.71%, National: 0.71%)
but better than tier avg
ROA Change (YoY): -0.21% points
(Tier: 0.07% points, National: 0.05% points)
worse than tier avg
Total Assets: $3.65B
(Tier: $3.97B, National: $547.69M)
worse than tier avg
24 of 380 Mid-Market CUs have this signature | 169 nationally
↓ Shrinking -16 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 76 peers in tier

Top Strengths (6 metrics)

4
Loan Growth Rate
growth
Value: 24.00%
Peer Avg: 9.56%
#4 of 76 Top 3.9% in 3B-5B tier
4
Deposit Growth Rate
growth
Value: 31.54%
Peer Avg: 8.84%
#4 of 76 Top 3.9% in 3B-5B tier
5
Member Growth Rate
growth
Value: 18.63%
Peer Avg: 7.02%
#5 of 76 Top 5.3% in 3B-5B tier
7
Indirect Auto Concentration (%)
balance_sheet
Value: 0.29%
Peer Avg: 20.57%
#7 of 76 Top 7.9% in 3B-5B tier
9
AMR Growth Rate
growth
Value: 8.19%
Peer Avg: 2.07%
#9 of 76 Top 10.5% in 3B-5B tier
12
Fee Income Per Member
profitability
Value: $257.41
Peer Avg: $191.96
#12 of 76 Top 14.5% in 3B-5B tier

Top Weaknesses (2 metrics)

74
Total Loans
balance_sheet
Value: $2.07B
Peer Avg: $3.02B
#74 of 76 Bottom 3.9% in 3B-5B tier
71
Loan-to-Share Ratio
balance_sheet
Value: 69.57%
Peer Avg: 90.85%
#71 of 76 Bottom 7.9% in 3B-5B tier