Los Angeles, CA · Charter 10648
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
39
Asset Quality
18
Profitability
71
Liquidity
100
Efficiency
100
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.
Los Angeles, CA · Charter 10648
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 | 2.67% | 0.14% | 3.45% | 0.39% | 2.24% | 2.04% | 2.94% | 1.87% | +148 bps | |
| Return on Equity | 26.58% | 1.39% | 31.05% | 3.79% | 21.02% | 16.76% | 26.08% | 16.96% | +1,317 bps | |
| Net Interest Margin | 3.52% | 0.16% | 4.14% | 1.45% | 3.12% | 2.93% | 3.58% | 2.73% | +128 bps | |
| Efficiency Ratio | 24.32% | 11.00% | 16.70% | 73.12% | 28.14% | 30.52% | 18.66% | 32.02% | -4,110 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.53% | -3.81% | -7.91% | -3.23% | -0.73% | 1.54% | 1.77% | -2.73% | +50 bps | |
| Loan Growth (YoY) | 45.64% | 14.10% | 20.56% | 17.90% | -3.77% | 9.84% | -1.24% | -5.02% | -2,293 bps | |
| Share Growth (YoY) | -5.80% | -5.50% | -10.08% | -4.70% | -2.01% | -0.93% | 0.88% | -3.93% | +76 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.28% | 0.17% | 0.00% | 0.00% | 1.36% | +108 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 | 1.06% | 1.20% | 1.14% | 1.11% | 1.10% | 1.09% | 1.15% | 1.17% | +6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.03% | 9.92% | 11.11% | 10.30% | 10.67% | 12.19% | 11.27% | 11.02% | +72 bps | |
| Net Worth / Assets | 10.03% | 9.92% | 11.11% | 10.30% | 10.67% | 12.19% | 11.27% | 11.02% | +72 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.87% | 53.58% | 58.67% | 57.58% | 58.79% | 59.41% | 57.44% | 56.93% | -65 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Los Angeles, CA · Charter 10648 · 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
1.92%
Rank 3 of 62
Net Interest Margin
2.80%
Rank 49 of 62
Efficiency Ratio
31.25%
Rank 1 of 62
Equity / Assets
11.01%
Rank 38 of 62
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.92% | 0.01% | 0.47% | 0.92% | Beats 95% | 3 / 62 | ||
| Return on Equity | 17.46% | 0.18% | 3.35% | 5.66% | Beats 98% | 1 / 62 | ||
| Net Interest Margin | 2.80% | 2.88% | 3.31% | 3.93% | Beats 21% | 49 / 62 | ||
| Efficiency Ratio | 31.25% | 71.17% | 84.14% | 92.47% | Beats 100% | 1 / 62 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.39% | 0.22% | 0.52% | 0.99% | Beats 18% | 52 / 62 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.01% | 9.30% | 12.20% | 16.33% | Beats 39% | 38 / 62 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.01% | 9.30% | 12.20% | 16.33% | Beats 39% | 38 / 62 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 56.90% | 48.69% | 57.00% | 84.55% | 45th pctl | 34 / 62 | ||
| Loans / Assets | 50.44% | 42.93% | 53.05% | 69.62% | 47th pctl | 33 / 62 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||