California Lithuanian Credit Union
Santa Monica, CA·Charter 64834·cu:64834·Credit union RBC / net worth
- #125 of 239Total assets in California
- 1,932members
- Top 1%Share growth in the U.S.
- Top 2%Loan growth in the U.S.
Performance over time
7 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
Credit union · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at California Lithuanian Credit Union
7 of 23 FORFI signals stand out against 770 similar credit unions, based on NCUA data for the quarter.
Share and deposit costs among the highest of similar credit unionsWorth a look: Funding 2nd quarter3.24%peers 1.30%+194 bps
California Lithuanian Credit Union's cost of all shares and deposits was 3.24%, compared with a median of 1.30% among 770 similar credit unions: higher than 99% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Cost of all shares and deposits | ||
| 3.24% | 1.30% | +194 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 770 credit unions with $100 million to $300 million in assets that filed NCUA data for the same quarter. California Lithuanian Credit Union itself is left out of every peer median and percentile. How signals work
Fee and other noninterest income among the lowest of similar credit unionsWorth a look: Earnings 2nd quarter0.04%peers 1.02%-98 bps
California Lithuanian Credit Union's noninterest income relative to average assets was 0.04%, compared with a median of 1.02% among 770 similar credit unions: lower than 99% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Noninterest income relative to average assets | ||
| 0.04% | 1.02% | -98 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 770 credit unions with $100 million to $300 million in assets that filed NCUA data for the same quarter. California Lithuanian Credit Union itself is left out of every peer median and percentile. How signals work
Loans growing faster than peersStrength: Lending 2nd quarter+26.9%peers +2.6%+24.2 pp
California Lithuanian Credit Union's loans grew 26.9% over the past year to $130 million. The median among 770 similar credit unions was +2.6%.
| This institution | Peer median | Difference |
|---|---|---|
| Loans, 12-month growth | ||
| +26.9% | +2.6% | +24.2 pp |
| Loans | ||
| $130 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 770 credit unions with $100 million to $300 million in assets that filed NCUA data for the same quarter. California Lithuanian Credit Union itself is left out of every peer median and percentile. How signals work
Net worth ratio falling while the peer median risesWorth a look: Capital17.40%peers 11.74%+5.7 pp
California Lithuanian Credit Union's net worth ratio fell 2.7 percentage points over the past year to 17.40%. Among 770 similar credit unions, the median rose 0.3 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Net worth ratio | ||
| 17.40% | 11.74% | +5.7 pp |
| 12-month change | ||
| -2.7 pp | +0.3 pp | -3.0 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 770 credit unions with $100 million to $300 million in assets that filed NCUA data for the same quarter. California Lithuanian Credit Union itself is left out of every peer median and percentile. How signals work
Total assets growing faster than peersStrength: Growth+19.5%peers +4.0%+15.5 pp
California Lithuanian Credit Union's total assets grew 19.5% over the past year to $175 million. The median among 770 similar credit unions was +4.0%.
| This institution | Peer median | Difference |
|---|---|---|
| Total assets, 12-month growth | ||
| +19.5% | +4.0% | +15.5 pp |
| Total assets | ||
| $175 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 770 credit unions with $100 million to $300 million in assets that filed NCUA data for the same quarter. California Lithuanian Credit Union itself is left out of every peer median and percentile. How signals work
2 more observations
- Shares and deposits growing faster than peersFunding
- Reliance on share certificates falling while the peer median risesFunding
Key facts
- California Lithuanian Credit Union is a state-chartered credit union headquartered in Santa Monica, California. It reported $175 million in total assets for the quarter ended June 30, 2026.
- Shares and deposits totaled $143 million, up 23.7% from a year earlier, and loans totaled $130 million, up 26.9%.
- Its net interest margin on average assets was 1.80% and its annualized return on assets was 0.57% for the quarter.
- Its cost of all shares and deposits was 3.24%, compared with a median of 1.30% among 770 similar credit unions with $100 million to $300 million in assets.
- It served 1,932 members, up 2.6% from a year earlier.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With California Lithuanian Credit Union's own data, FORFI would look at: Which depositors and relationships drive the change in funding, and what to offer them next.
Analysis workspaces
Sources and identifiers
- Institution
- California Lithuanian Credit Union · Credit union
- NCUA charter
- 64834
- Reporting period
- Peer group
- 770 credit unions with $100 million to $300 million in assets that filed NCUA data for the same quarter. California Lithuanian Credit Union itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
NCUA · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation |
|---|---|
| $237.32K | |
| $1.83M | |
| $1.09M | |
| $747.51K | |
| $15.26K | |
| $525.45K | |
| $0 | |
| $0 | |
| 0.57% | |
| 1.80% | |
| 68.89% |
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-16T13:43:41.229347+00:00. Separate reference provenance is included in the export.