El Cajon, CA · Charter 11099
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 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
35
Asset Quality
10
Profitability
18
Liquidity
70
Efficiency
17
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.
El Cajon, CA · Charter 11099
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 | 0.72% | 0.63% | 0.56% | 0.12% | 0.03% | -69 bps | |
| Return on Equity | 7.87% | 6.46% | 5.80% | 1.31% | 0.35% | -751 bps | |
| Net Interest Margin | 2.95% | 3.12% | 3.11% | 3.15% | 3.18% | +23 bps | |
| Efficiency Ratio | 77.11% | 79.39% | 81.79% | 89.43% | 91.20% | +1,409 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.63% | -6.97% | -3.80% | 1.65% | 0.06% | +369 bps | |
| Loan Growth (YoY) | -0.39% | -1.79% | -2.50% | -2.77% | 1.44% | +182 bps | |
| Share Growth (YoY) | -2.63% | -9.95% | -4.69% | 3.19% | -0.09% | +253 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.34% | 0.24% | 0.16% | 0.19% | 1.28% | +94 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 | 9.18% | 9.70% | 9.69% | 9.32% | 9.40% | +21 bps | |
| Net Worth / Assets | 9.18% | 9.70% | 9.69% | 9.32% | 9.40% | +21 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.78% | 65.12% | 62.20% | 58.36% | 62.73% | +95 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
El Cajon, CA · Charter 11099 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 2 branches
Q2 2026
Return on Assets
0.03%
Rank 53 of 63
Net Interest Margin
3.18%
Rank 48 of 63
Efficiency Ratio
91.23%
Rank 53 of 63
Equity / Assets
9.40%
Rank 41 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.03% | 0.17% | 0.56% | 1.17% | Beats 16% | 53 / 63 | |
| Return on Equity | 0.35% | 1.81% | 4.79% | 8.64% | Beats 14% | 54 / 63 | |
| Net Interest Margin | 3.18% | 3.18% | 3.49% | 3.98% | Beats 24% | 48 / 63 | |
| Efficiency Ratio | 91.23% | 70.58% | 81.25% | 89.21% | Beats 17% | 53 / 63 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.28% | 0.17% | 0.42% | 0.85% | Beats 10% | 57 / 62 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.40% | 8.61% | 10.56% | 14.01% | Beats 35% | 41 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.40% | 8.61% | 10.56% | 14.01% | Beats 35% | 41 / 63 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 62.73% | 53.46% | 72.75% | 85.33% | 40th pctl | 37 / 62 | |
| Loans / Assets | 56.38% | 46.35% | 58.08% | 72.17% | 48th pctl | 33 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||