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: CA × Clear all

Most Strengths

All tiers in CA

Rank	Credit Union
1	AMERICAN FIRST Mid-Market BREA, CA
2	FRONTWAVE Mid-Market Oceanside, CA
3	CALIFORNIA LITHUANIAN Community Santa Monica, CA
4	SAFE 1 Mid-Market BAKERSFIELD, CA
5	REDWOOD Large Santa Rosa, CA
6	VENTURA COUNTY Mid-Market Ventura, CA
7	STAR ONE Large SUNNYVALE, CA
8	F & A Mid-Market MONTEREY PARK, CA
9	SANTA ANA Community Santa Ana, CA
10	SCHOOLSFIRST Titans SANTA ANA, CA
11	COMMUNITY FIRST Community Santa Rosa, CA
12	CHRISTIAN COMMUNITY Mid-Market SAN DIMAS, CA
13	SMW 104 Community Livermore, CA
14	COAST CENTRAL Mid-Market Eureka, CA
15	SAN FRANCISCO Mid-Market San Francisco, CA
16	CHEVRON Large Concord, CA
17	SAFE Mid-Market FOLSOM, CA
18	PARTNERS Mid-Market Burbank, CA
19	SUN COMMUNITY Community El Centro, CA
20	LBS FINANCIAL Mid-Market Long Beach, CA
21	MISSION Large San Diego, CA
22	MIRASTAR Mid-Market San Jose, CA
23	LOGIX Large Valencia, CA
24	FAMILIES AND SCHOOLS TOGETHER Community Hanford, CA
25	UNIVERSITY Mid-Market Los Angeles, CA

Most Concerns

All tiers in CA

Rank	Credit Union
1	NORTHERN REDWOOD Arcata, CA
2	BEVERLY HILLS CITY EMPLOYEES BEVERLY HILLS, CA
3	POLAM Redwood City, CA
4	INLAND La Mesa, CA
5	DIABLO VALLEY Concord, CA
6	COUNTY SCHOOLS Ventura, CA
7	L.A. HEALTHCARE LOS ANGELES, CA
8	ATCHISON VILLAGE RICHMOND, CA
9	FOUNTAIN VALLEY Fountain Valley, CA
10	AEROSPACE Community Los Angeles, CA
11	VALLEY AGRICULTURAL SANTA PAULA, CA
12	MID-CITIES Compton, CA
13	POLAM LOS ANGELES, CA
14	SAN FRANCISCO LEE SAN FRANCISCO, CA
15	ALTA VISTA Community REDLANDS, CA
16	NIKKEI Gardena, CA
17	UNITED LOCAL Community Fresno, CA
18	FOX LOS ANGELES, CA
19	THINKWISE Community San Bernardino, CA
20	BEFIT FINANCIAL Vacaville, CA
21	SILVERADO ANGWIN, CA
22	ONTARIO PUBLIC EMPLOYEES ONTARIO, CA
23	SLO San Luis Obispo, CA
24	DENOCOS CRESCENT CITY, CA
25	KAIPERM Community Walnut Creek, 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)