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

Most Concerns

Community tier in CA

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