Downey, CA · Charter 11870
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
23
Asset Quality
50
Profitability
41
Liquidity
78
Efficiency
34
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.
Downey, CA · Charter 11870
NCUA · 1 branch
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 | -0.36% | -0.17% | -0.59% | 0.33% | 0.32% | +68 bps | |
| Return on Equity | -3.95% | -1.88% | -6.79% | 3.86% | 3.63% | +758 bps | |
| Net Interest Margin | 2.87% | 2.92% | 2.94% | 2.97% | 3.01% | +14 bps | |
| Efficiency Ratio | 83.80% | 85.85% | 87.00% | 88.21% | 88.40% | +459 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.64% | -2.34% | 2.24% | 2.10% | 0.91% | +355 bps | |
| Loan Growth (YoY) | 10.38% | 11.03% | 3.51% | -0.74% | -6.09% | -1,647 bps | |
| Share Growth (YoY) | 2.16% | 2.50% | 3.19% | 4.39% | 2.90% | +74 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.70% | 4.83% | 0.46% | 0.48% | 0.52% | -418 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 | 9.20% | 9.20% | 8.70% | 8.64% | 8.80% | -40 bps | |
| Net Worth / Assets | 9.20% | 9.20% | 8.70% | 8.64% | 8.80% | -40 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.15% | 70.22% | 67.27% | 64.96% | 64.93% | -622 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Downey, CA · Charter 11870 · 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
0.32%
Rank 37 of 62
Net Interest Margin
3.01%
Rank 43 of 62
Efficiency Ratio
88.40%
Rank 42 of 62
Equity / Assets
8.80%
Rank 48 of 62
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.32% | 0.01% | 0.47% | 0.92% | Beats 40% | 37 / 62 | |
| Return on Equity | 3.63% | 0.18% | 3.35% | 5.66% | Beats 53% | 29 / 62 | |
| Net Interest Margin | 3.01% | 2.88% | 3.31% | 3.93% | Beats 31% | 43 / 62 | |
| Efficiency Ratio | 88.40% | 71.17% | 84.14% | 92.47% | Beats 34% | 42 / 62 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.52% | 0.22% | 0.52% | 0.99% | Beats 50% | 32 / 62 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.80% | 9.30% | 12.20% | 16.33% | Beats 23% | 48 / 62 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.80% | 9.30% | 12.20% | 16.33% | Beats 23% | 48 / 62 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 64.93% | 48.69% | 57.00% | 84.55% | 56th pctl | 27 / 62 | |
| Loans / Assets | 53.05% | 42.93% | 53.05% | 69.62% | 50th pctl | 31 / 62 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||