Credit union
Gain Federal Credit Union
Burbank, California, Los Angeles County, CA
$454M in total assets and 20,487 members, the 808th largest of 4,298 US credit unions and 90th of 229 headquartered in California.
- NCUA charter
- 3943
- Charter
- Federal
- Chartered
- 1940
- NCUA insured since
- 1971
- Field of membership
- Multiple common bond - primarily federal, state, local government
- Website
- http://www.gainfcu.com
At a glance
Compared with 79 federally insured credit unions in California with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This credit union | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $454M | 71% | $277M | |
| Loans | $242M | 62% | $154M | |
| Deposits (shares) | $424M | 72% | $252M | |
| Members | 20,487 | 61% | 16,315 | |
| Return on assets | 0.09% | 14% | 0.49% | |
| Net interest income to assets | 2.66% | 15% | 3.46% | |
| Efficiency ratio | 93.7% | 95% | 79.4% | |
| Net worth ratio | 8.14% | 9% | 11.10% | |
| Loans to shares | 57% | 27% | 74% | |
| Cost of deposits | 1.06% | 34% | 1.24% |
Ratios are annualized from year-to-date figures. Return on assets uses average assets, as NCUA does. Cost of deposits includes dividends on shares.
Growth
Total assets grew 4.5% a year over 10 years and 0.8% a year over the last 5, including 4 mergers in the last 10 years. Membership fell 0.0% a year over 5 years, to 20,487.
Dashed lines mark larger mergers, listed below.
Mergers and acquisitions
| Closed | Absorbed | Assets at last filing |
|---|---|---|
| Feb 2021 | Canoga Postal Federal Credit Union Credit union, Canoga Park, CA | $894K |
| Jan 2020 | United America West Federal Credit Union Credit union, Panorama City, CA | $4M |
| Jul 2019 | Pacoima Development Federal Credit Union Credit union, Pacoima, CA | $3M |
| Nov 2016 | Deluxe Federal Credit Union Credit union, Burbank, CA | $8M |
Where they operate
2 branches in 1 county.
Largest counties by branches
| County | Branches | Share of all branches | Rank |
|---|---|---|---|
| Los Angeles County, CA | 2 | 0.1% | 95 of 198 |
Credit unions do not report deposits by branch, so these are branch counts: this credit union's branches against every bank and credit union branch in the county. Rank is among all banks and credit unions with a branch there.
Branches by year
| Year end | Branches | Change |
|---|---|---|
| 2016 | 2 | |
| 2017 | 2 | 0 |
| 2018 | 2 | 0 |
| 2019 | 4 | +2 |
| 2020 | 2 | −2 |
| 2021 | 2 | 0 |
| 2022 | 1 | −1 |
| 2023 | 2 | +1 |
| 2024 | 2 | 0 |
| 2025 | 2 | 0 |
| Jun 2026 | 2 | 0 |
Member-serving offices as listed in NCUA call reports. Changes include branches gained in mergers.
Earnings and credit
Return on assets
Year to date, annualized, with the peer median.
Credit and capital
| This credit union | Peer median | |
|---|---|---|
| Delinquent loans, 60+ days | 0.44% | 0.48% |
| Net worth ratio | 8.14% | 11.10% |
| Loans to shares | 57% | 74% |
Delinquent loans are two or more months past due. Net worth is NCUA's capital measure for credit unions.
Related
Credit unions of similar size in California
Most branches in Los Angeles County, CA
Figures as of June 30, 2026 from the credit union's NCUA call report (Form 5300), NCUA's credit union locator and FFIEC merger records.