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: Indirect Auto Dependency

Active filters: Mid-Market × CA × Clear all

Concern

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

16

CUs in Mid-Market, CA

714

CUs Nationally

↓ Shrinking

-64 YoY

Most At Risk

Indirect Auto Dependency • Mid-Market tier in CA

Rank	Credit Union	Pctl
1	NOBLE Mid-Market Fresno, CA	98.4%
2	SAFE 1 Mid-Market BAKERSFIELD, CA	93.2%
3	LBS FINANCIAL Mid-Market Long Beach, CA	90.6%
4	ARROWHEAD Mid-Market Rancho Cucamong, CA	81.2%
5	VALLEY FIRST Mid-Market Modesto, CA	60.4%
6	SIERRA CENTRAL Mid-Market Yuba City, CA	58.3%
7	BAY Mid-Market Capitola, CA	45.8%
8	1ST UNITED Mid-Market Pleasanton, CA	28.1%
9	OPERATING ENGINEERS LOCAL UNION #3 Mid-Market LIVERMORE, CA	27.1%
10	ORANGE COUNTY'S Mid-Market Santa Ana, CA	24.0%
11	CALIFORNIA COAST Mid-Market San Diego, CA	18.8%
12	NUVISION Mid-Market HUNTINGTON BEAC, CA	12.0%
13	SAFE Mid-Market FOLSOM, CA	9.9%
14	PACIFIC SERVICE Mid-Market Concord, CA	7.3%
15	COASTHILLS Mid-Market Santa Maria, CA	6.8%
16	COAST CENTRAL Mid-Market Eureka, CA	5.2%

Least Affected

Indirect Auto Dependency • Mid-Market tier in CA

Rank	Credit Union	Pctl
1	COAST CENTRAL Mid-Market Eureka, CA	5.2%
2	COASTHILLS Mid-Market Santa Maria, CA	6.8%
3	PACIFIC SERVICE Mid-Market Concord, CA	7.3%
4	SAFE Mid-Market FOLSOM, CA	9.9%
5	NUVISION Mid-Market HUNTINGTON BEAC, CA	12.0%
6	CALIFORNIA COAST Mid-Market San Diego, CA	18.8%
7	ORANGE COUNTY'S Mid-Market Santa Ana, CA	24.0%
8	OPERATING ENGINEERS LOCAL UNION #3 Mid-Market LIVERMORE, CA	27.1%
9	1ST UNITED Mid-Market Pleasanton, CA	28.1%
10	BAY Mid-Market Capitola, CA	45.8%
11	SIERRA CENTRAL Mid-Market Yuba City, CA	58.3%
12	VALLEY FIRST Mid-Market Modesto, CA	60.4%
13	ARROWHEAD Mid-Market Rancho Cucamong, CA	81.2%
14	LBS FINANCIAL Mid-Market Long Beach, CA	90.6%
15	SAFE 1 Mid-Market BAKERSFIELD, CA	93.2%
16	NOBLE Mid-Market Fresno, CA	98.4%

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)