Industry Rankings

Q1 2026

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:

Viewing: Credit Risk Growth

Active filters: Mid-Market × CA × Clear all

Concern

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

17

CUs in Mid-Market, CA

688

CUs Nationally

↑ Growing

+34 YoY

Most At Risk

Credit Risk Growth • Mid-Market tier in CA

Rank	Credit Union	Pctl
1	FRONTWAVE Mid-Market Oceanside, CA	99.4%
2	RIZE Mid-Market EL MONTE, CA	90.5%
3	MIRASTAR Mid-Market San Jose, CA	89.9%
4	VENTURA COUNTY Mid-Market Ventura, CA	74.6%
5	LBS FINANCIAL Mid-Market Long Beach, CA	45.6%
6	F & A Mid-Market MONTEREY PARK, CA	43.2%
7	ARROWHEAD Mid-Market Rancho Cucamong, CA	33.1%
8	KEYPOINT Mid-Market San Jose, CA	27.8%
9	ALTURA Mid-Market Riverside, CA	27.2%
10	CALIFORNIA COAST Mid-Market San Diego, CA	26.0%
11	BAY Mid-Market Capitola, CA	23.1%
12	STANFORD Mid-Market Palo Alto, CA	17.8%
13	NUVISION Mid-Market HUNTINGTON BEAC, CA	8.9%
14	HONDA Mid-Market Torrance, CA	6.5%
15	SAFE Mid-Market FOLSOM, CA	5.3%
16	LOS ANGELES Mid-Market Glendale, CA	4.7%
17	VALLEY STRONG Mid-Market BAKERSFIELD, CA	3.0%

Least Affected

Credit Risk Growth • Mid-Market tier in CA

Rank	Credit Union	Pctl
1	VALLEY STRONG Mid-Market BAKERSFIELD, CA	3.0%
2	LOS ANGELES Mid-Market Glendale, CA	4.7%
3	SAFE Mid-Market FOLSOM, CA	5.3%
4	HONDA Mid-Market Torrance, CA	6.5%
5	NUVISION Mid-Market HUNTINGTON BEAC, CA	8.9%
6	STANFORD Mid-Market Palo Alto, CA	17.8%
7	BAY Mid-Market Capitola, CA	23.1%
8	CALIFORNIA COAST Mid-Market San Diego, CA	26.0%
9	ALTURA Mid-Market Riverside, CA	27.2%
10	KEYPOINT Mid-Market San Jose, CA	27.8%
11	ARROWHEAD Mid-Market Rancho Cucamong, CA	33.1%
12	F & A Mid-Market MONTEREY PARK, CA	43.2%
13	LBS FINANCIAL Mid-Market Long Beach, CA	45.6%
14	VENTURA COUNTY Mid-Market Ventura, CA	74.6%
15	MIRASTAR Mid-Market San Jose, CA	89.9%
16	RIZE Mid-Market EL MONTE, CA	90.5%
17	FRONTWAVE Mid-Market Oceanside, CA	99.4%

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)