Industry Rankings

CU Wrapped 2025

Credit Union Leaderboards

See who's leading and who's falling behind across the credit union industry

Tier:

All Community Mid-Market Large Titans

State:

Active filters: Community × CA × Clear all

Most Strengths

Community tier in CA

Rank	Credit Union
1	SUN COMMUNITY Community El Centro, CA
2	COMMUNITY FIRST Community Santa Rosa, CA
3	OCEANAIR Community Oxnard, CA
4	USC Community Los Angeles, CA
5	MYPOINT Community San Diego, CA
6	AMERICA'S CHRISTIAN Community Glendora, CA
7	SACRAMENTO Community Sacramento, CA
8	PREMIER ONE Community San Jose, CA
9	SKYONE Community Hawthorne, CA
10	I.L.W.U. Community Long Beach, CA
11	CABRILLO Community San Diego, CA
12	CERTIFIED Community El Monte, CA
13	MERCED SCHOOL EMPLOYEES Community MERCED, CA
14	1ST NORTHERN CALIFORNIA Community Martinez, CA
15	FOOTHILL Community Arcadia, CA
16	FIRST CITY Community Pasadena, CA
17	WATER AND POWER COMMUNITY Community LOS ANGELES, CA
18	ALTAONE Community Ridgecrest, CA
19	UNCLE Community LIVERMORE, CA
20	THE FIRST FINANCIAL Community Pasadena, CA
21	COMMONWEALTH CENTRAL Community San Jose, CA
22	EXCITE Community San Jose, CA
23	FIRST U.S. COMMUNITY Community Sacramento, CA

Most Concerns

Community tier in CA

Rank	Credit Union
1	FIRST U.S. COMMUNITY Community Sacramento, CA
2	COMMONWEALTH CENTRAL Community San Jose, CA
3	EXCITE Community San Jose, CA
4	UNCLE Community LIVERMORE, CA
5	SKYONE Community Hawthorne, CA
6	CABRILLO Community San Diego, CA
7	THE FIRST FINANCIAL Community Pasadena, CA
8	AMERICA'S CHRISTIAN Community Glendora, CA
9	FOOTHILL Community Arcadia, CA
10	1ST NORTHERN CALIFORNIA Community Martinez, CA
11	FIRST CITY Community Pasadena, CA
12	ALTAONE Community Ridgecrest, CA
13	WATER AND POWER COMMUNITY Community LOS ANGELES, CA
14	MERCED SCHOOL EMPLOYEES Community MERCED, CA
15	I.L.W.U. Community Long Beach, CA
16	CERTIFIED Community El Monte, CA
17	PREMIER ONE Community San Jose, CA
18	MYPOINT Community San Diego, CA
19	OCEANAIR Community Oxnard, CA
20	SACRAMENTO Community Sacramento, CA
21	USC Community Los Angeles, CA
22	COMMUNITY FIRST Community Santa Rosa, CA
23	SUN COMMUNITY Community El Centro, CA

Explore by Dimension

Signatures

Growth & Performance

Credit Quality Leader Emerging Performer Organic Growth Engine Organic Growth Leader Profitability Leader Relationship Depth Leader Wallet Share Momentum

Risk & Quality

Capital Constraint Cost Spiral Credit Quality Pressure Credit Risk Growth Efficiency Drag Flatlined Growth Indirect Auto Dependency Liquidity Overhang Liquidity Strain Stagnation Risk

Decline Indicators

Accelerating Exit Risk Deposit Outflow Institutional Decline Margin Compression Membership Headwinds Shrinking Wallet Share Wealth Migration Risk

Metrics

Growth

Asset Growth (YoY) (Absolute) Average Member Relationship Growth (YoY) (Absolute) Deposit Growth (YoY) (Absolute) Loan Growth (YoY) (Absolute) Member Growth (YoY) (Absolute)

Profitability

Efficiency Ratio (Absolute) Efficiency Ratio (QoQ Change) Efficiency Ratio (YoY Change) Fee Income Per Member (Absolute) Fee Income Per Member (QoQ Change) Fee Income Per Member (YoY Change) Net Interest Margin (NIM) (Absolute) Net Interest Margin (NIM) (QoQ Change) Net Interest Margin (NIM) (YoY Change) Return on Assets (ROA) (Absolute) Return on Assets (ROA) (QoQ Change) Return on Assets (ROA) (YoY Change)

Member Engagement

Average Member Relationship (AMR) (Absolute) Average Member Relationship (AMR) (QoQ Change) Average Member Relationship (AMR) (YoY Change) Loan-to-Member Ratio (LMR) (Absolute) Loan-to-Member Ratio (LMR) (QoQ Change) Loan-to-Member Ratio (LMR) (YoY Change) Members Per Employee (MPE) (Absolute) Members Per Employee (MPE) (QoQ Change) Members Per Employee (MPE) (YoY Change) Total Members (Absolute) Total Members (QoQ Change) Total Members (YoY Change)

Balance Sheet

First Mortgage Concentration (%) (Absolute) First Mortgage Concentration (%) (QoQ Change) First Mortgage Concentration (%) (YoY Change) Indirect Auto Concentration (%) (Absolute) Indirect Auto Concentration (%) (QoQ Change) Indirect Auto Concentration (%) (YoY Change) Loan-to-Share Ratio (Absolute) Loan-to-Share Ratio (QoQ Change) Loan-to-Share Ratio (YoY Change) Share Certificate Concentration (%) (Absolute) Share Certificate Concentration (%) (QoQ Change) Share Certificate Concentration (%) (YoY Change) Total Assets (Absolute) Total Assets (QoQ Change) Total Assets (YoY Change) Total Deposits (Absolute) Total Deposits (QoQ Change) Total Deposits (YoY Change) Total Loans (Absolute) Total Loans (QoQ Change) Total Loans (YoY Change)

Risk

Net Charge-Off Rate (Absolute) Net Charge-Off Rate (QoQ Change) Net Charge-Off Rate (YoY Change) Net Worth Ratio (Absolute) Net Worth Ratio (QoQ Change) Net Worth Ratio (YoY Change) Total Delinquency Rate (60+ days) (Absolute) Total Delinquency Rate (60+ days) (QoQ Change) Total Delinquency Rate (60+ days) (YoY Change)