San Pedro, CA · Charter 10433
NCUA · 1 branch
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
92
Asset Quality
15
Profitability
43
Liquidity
29
Efficiency
87
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.
San Pedro, CA · Charter 10433
NCUA · 1 branch
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 | -0.16% | 0.03% | 0.72% | 0.64% | 0.75% | 0.61% | 0.84% | 0.69% | +6 bps | |
| Return on Equity | -0.81% | 0.14% | 3.51% | 3.04% | 3.51% | 2.77% | 3.48% | 2.80% | -24 bps | |
| Net Interest Margin | 1.86% | 1.93% | 2.26% | 2.34% | 2.50% | 2.63% | 2.87% | 2.99% | +64 bps | |
| Efficiency Ratio | 83.65% | 80.98% | 70.40% | 67.60% | 65.25% | 66.93% | 67.82% | 64.27% | -333 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.86% | -2.08% | -1.51% | -0.71% | -2.68% | -5.19% | -12.41% | -13.20% | -1,249 bps | |
| Loan Growth (YoY) | 12.84% | 8.53% | 1.92% | -3.98% | -11.58% | -14.07% | -17.40% | -19.91% | -1,592 bps | |
| Share Growth (YoY) | -0.84% | -0.48% | -2.03% | -1.38% | -3.70% | -8.68% | -16.53% | -17.50% | -1,612 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.38% | 0.95% | 0.56% | 0.96% | 0.57% | 1.38% | 1.53% | 1.52% | +56 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 | 20.21% | 20.41% | 20.61% | 20.91% | 21.49% | 22.14% | 24.19% | 24.75% | +384 bps | |
| Net Worth / Assets | 20.21% | 20.41% | 20.61% | 20.91% | 21.49% | 22.14% | 24.19% | 24.75% | +384 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 46.00% | 45.13% | 43.33% | 43.02% | 42.23% | 42.46% | 42.88% | 41.77% | -125 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
San Pedro, CA · Charter 10433 · Peer group: credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=62)
NCUA · 1 branch
Q2 2026
Return on Assets
0.69%
Rank 21 of 62
Net Interest Margin
2.99%
Rank 46 of 62
Efficiency Ratio
64.25%
Rank 9 of 62
Equity / Assets
24.75%
Rank 5 of 62
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.69% | 0.01% | 0.47% | 0.92% | Beats 66% | 21 / 62 | ||
| Return on Equity | 2.80% | 0.18% | 3.35% | 5.66% | Beats 37% | 39 / 62 | ||
| Net Interest Margin | 2.99% | 2.88% | 3.31% | 3.93% | Beats 26% | 46 / 62 | ||
| Efficiency Ratio | 64.25% | 71.17% | 84.14% | 92.47% | Beats 87% | 9 / 62 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.52% | 0.22% | 0.52% | 0.99% | Beats 15% | 54 / 62 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 24.75% | 9.30% | 12.20% | 16.33% | Beats 92% | 5 / 62 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 24.75% | 9.30% | 12.20% | 16.33% | Beats 92% | 5 / 62 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 41.77% | 48.69% | 57.00% | 84.55% | 18th pctl | 51 / 62 | ||
| Loans / Assets | 31.07% | 42.93% | 53.05% | 69.62% | 15th pctl | 53 / 62 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||