Inland Federal Credit Union
La Mesa, CA·Charter 14016·cu:14016·Credit union RBC / net worth
- #220 of 242Total assets in California
- 1,239members
Performance over time
6 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 Inland Federal Credit Union
1 of 23 FORFI signals stand out against 2507 similar credit unions, based on NCUA data for the quarter.
Shares and deposits shrinking while the peer median growsWorth a look: Funding-12.1%peers +0.7%-12.8 pp
Inland Federal Credit Union's shares and deposits declined 12.1% over the past year to $13.6 million. The median among 2497 similar credit unions was +0.7%.
| This institution | Peer median | Difference |
|---|---|---|
| Shares and deposits, 12-month growth | ||
| -12.1% | +0.7% | -12.8 pp |
| Shares and deposits | ||
| $13.6 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: 2507 credit unions with under $100 million in assets that filed NCUA data for the same quarter. Inland Federal Credit Union itself is left out of every peer median and percentile. How signals work
Where Inland Federal Credit Union differs most from peers
Net worth ratio among the lowest of similar credit unionsContext: Capital8.04%peers 14.28%-6.2 pp
Inland Federal Credit Union's net worth ratio was 8.04%, compared with a median of 14.28% among 2507 similar credit unions: lower than 95% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Net worth ratio | ||
| 8.04% | 14.28% | -6.2 pp |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 2507 credit unions with under $100 million in assets that filed NCUA data for the same quarter. Inland Federal Credit Union itself is left out of every peer median and percentile. How signals work
Efficiency ratio among the highest of similar credit unionsContext: Efficiency109.0%peers 81.4%+27.5 pp
Inland Federal Credit Union's efficiency ratio was 109.0%, compared with a median of 81.4% among 2498 similar credit unions: higher than 90% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 109.0% | 81.4% | +27.5 pp |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 2507 credit unions with under $100 million in assets that filed NCUA data for the same quarter. Inland Federal Credit Union itself is left out of every peer median and percentile. How signals work
Key facts
- Inland Federal Credit Union is a federally chartered credit union headquartered in La Mesa, California. It reported $14.8 million in total assets for the quarter ended March 31, 2026.
- Shares and deposits totaled $13.6 million, down 12.1% from a year earlier, and loans totaled $7.4 million, down 13.4%.
- Its net interest margin on average assets was 3.55% and its annualized return on assets was -0.52% for the quarter.
- Its cost of all shares and deposits was 0.45%, compared with a median of 0.90% among 2505 similar credit unions with under $100 million in assets.
- It served 1,239 members, down 5.0% 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 Inland Federal 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
- Inland Federal Credit Union · Credit union
- NCUA charter
- 14016
- Reporting period
- Peer group
- 2507 credit unions with under $100 million in assets that filed NCUA data for the same quarter. Inland Federal 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 · 2026-01-01 through 2026-03-31 · Annualization factor 4.055556 applies to ROA and margin only.
| Measure | FORFI calculation |
|---|---|
| -$18.91K | |
| $143.26K | |
| $14.87K | |
| $128.39K | |
| $45.47K | |
| $189.49K | |
| $3.28K | |
| $3.28K | |
| -0.52% | |
| 3.55% | |
| 108.99% |
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 2026-09-14T14:00:24.523718+00:00. Separate reference provenance is included in the export.