Sylmar, CA · Charter 1034
NCUA · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=62). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
77
Asset Quality
29
Profitability
14
Liquidity
91
Efficiency
35
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Sylmar, CA · Charter 1034
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.65% | 0.62% | 0.54% | -2.23% | -2.04% | -269 bps | |
| Return on Equity | 3.07% | 3.04% | 2.71% | -11.57% | -10.83% | -1,389 bps | |
| Net Interest Margin | 3.25% | 3.23% | 3.14% | 3.54% | 3.21% | -3 bps | |
| Efficiency Ratio | 80.73% | 79.42% | 80.76% | 70.05% | 87.70% | +696 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.97% | 13.54% | 16.09% | 12.52% | 8.04% | -93 bps | |
| Loan Growth (YoY) | -0.64% | 0.77% | -1.25% | -3.79% | -8.02% | -738 bps | |
| Share Growth (YoY) | 10.38% | 16.06% | 19.72% | 16.56% | 11.62% | +124 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.02% | 1.94% | 1.85% | 1.33% | 0.93% | -110 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 21.04% | 20.41% | 19.89% | 19.24% | 18.87% | -217 bps | |
| Net Worth / Assets | 21.04% | 20.41% | 19.89% | 19.24% | 18.87% | -217 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.71% | 62.55% | 61.80% | 56.34% | 54.97% | -1,174 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Sylmar, CA · Charter 1034 · Peer group: credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=62)
NCUA · 2 branches
Q2 2026
Return on Assets
-2.04%
Rank 62 of 62
Net Interest Margin
3.21%
Rank 38 of 62
Efficiency Ratio
87.72%
Rank 41 of 62
Equity / Assets
18.87%
Rank 14 of 62
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.04% | 0.01% | 0.47% | 0.92% | Beats 0% | 62 / 62 | |
| Return on Equity | -10.82% | 0.18% | 3.35% | 5.66% | Beats 2% | 61 / 62 | |
| Net Interest Margin | 3.21% | 2.88% | 3.31% | 3.93% | Beats 39% | 38 / 62 | |
| Efficiency Ratio | 87.72% | 71.17% | 84.14% | 92.47% | Beats 35% | 41 / 62 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.93% | 0.22% | 0.52% | 0.99% | Beats 29% | 45 / 62 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 18.87% | 9.30% | 12.20% | 16.33% | Beats 77% | 14 / 62 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 18.87% | 9.30% | 12.20% | 16.33% | Beats 77% | 14 / 62 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 54.97% | 48.69% | 57.00% | 84.55% | 40th pctl | 37 / 62 | |
| Loans / Assets | 44.56% | 42.93% | 53.05% | 69.62% | 32nd pctl | 42 / 62 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||