Loma Linda, CA · Charter 10351
NCUA · 3 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 CA (n=62 to 63). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
40
Asset Quality
69
Profitability
56
Liquidity
85
Efficiency
40
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.
Loma Linda, CA · Charter 10351
NCUA · 3 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.95% | 0.94% | 0.89% | 0.83% | 0.80% | 0.73% | 0.47% | 0.60% | -22 bps | |
| Return on Equity | 10.78% | 10.47% | 9.93% | 9.01% | 8.36% | 7.72% | 4.92% | 6.35% | -266 bps | |
| Net Interest Margin | 3.64% | 3.71% | 3.91% | 4.00% | 4.03% | 3.91% | 3.74% | 3.68% | -32 bps | |
| Efficiency Ratio | 77.20% | 77.59% | 81.02% | 81.96% | 82.19% | 81.15% | 82.25% | 82.71% | +75 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.14% | -2.27% | 1.94% | 2.65% | 0.86% | 3.26% | 0.22% | 2.94% | +29 bps | |
| Loan Growth (YoY) | -2.21% | -1.70% | 0.70% | 0.72% | 2.42% | 1.04% | 2.54% | 2.82% | +210 bps | |
| Share Growth (YoY) | -1.43% | -1.93% | 1.66% | 1.95% | 0.28% | 2.37% | -0.70% | 2.20% | +25 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.24% | 0.24% | 0.24% | 0.04% | 0.10% | 0.19% | 0.13% | 0.22% | +19 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.78% | 8.98% | 8.94% | 9.19% | 9.52% | 9.41% | 9.52% | 9.52% | +33 bps | |
| Net Worth / Assets | 8.78% | 8.98% | 8.94% | 9.19% | 9.52% | 9.41% | 9.52% | 9.52% | +33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.63% | 67.25% | 65.75% | 66.47% | 69.07% | 66.38% | 67.89% | 66.88% | +40 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Loma Linda, CA · Charter 10351 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 3 branches
Q2 2026
Return on Assets
0.60%
Rank 30 of 63
Net Interest Margin
3.68%
Rank 28 of 63
Efficiency Ratio
82.71%
Rank 39 of 63
Equity / Assets
9.52%
Rank 38 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.60% | 0.17% | 0.56% | 1.17% | Beats 52% | 30 / 63 | ||
| Return on Equity | 6.34% | 1.81% | 4.79% | 8.64% | Beats 59% | 26 / 63 | ||
| Net Interest Margin | 3.68% | 3.18% | 3.49% | 3.98% | Beats 56% | 28 / 63 | ||
| Efficiency Ratio | 82.71% | 70.58% | 81.25% | 89.21% | Beats 40% | 39 / 63 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.22% | 0.17% | 0.42% | 0.85% | Beats 69% | 20 / 62 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.52% | 8.61% | 10.56% | 14.01% | Beats 40% | 38 / 63 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.52% | 8.61% | 10.56% | 14.01% | Beats 40% | 38 / 63 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 66.87% | 53.46% | 72.75% | 85.33% | 47th pctl | 33 / 62 | ||
| Loans / Assets | 63.33% | 46.35% | 58.08% | 72.17% | 52nd pctl | 30 / 63 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||