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United Catholics

Covina, CA · Charter 12029

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area3

Basis

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.

Peer group

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.

Peer standing

Capital

29

Q2 2024Q2 2026peer median (50)

Asset Quality

87

Q2 2024Q2 2026peer median (50)

Profitability

67

Q2 2024Q2 2026peer median (50)

Liquidity

79

Q2 2024Q2 2026peer median

Efficiency

56

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

United Catholics

Covina, CA · Charter 12029

NCUA · 1 branch

Q2 2026

$49.3MAssets
$23.2MLoans
$44.0MShares
$4.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.74%, unchanged from a year ago; NIM at 3.30%.
  • Asset quality: problem loans at 0.02% of loans (0 bps YoY).
  • Capital: net worth / assets of 9.76%, up 40 bps from a year ago.
  • Funding: loans stand at 52.61% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.74%0 bps YoY

Net Interest Margin (YTD, annualized)

3.30%+2 bps YoY

Efficiency Ratio (YTD, annualized)

80.49%-63 bps YoY

Net Worth / Assets

9.76%+40 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.74%0.78%0.84%0.71%0.74%0 bps
Return on Equity7.89%8.18%8.66%7.50%7.60%-29 bps
Net Interest Margin3.28%3.34%3.31%3.21%3.30%+2 bps
Efficiency Ratio81.12%80.62%79.28%80.99%80.49%-63 bps
Growth
Asset Growth (YoY)-1.67%1.08%2.72%7.38%4.81%+648 bps
Loan Growth (YoY)6.92%2.81%4.66%6.18%1.33%-559 bps
Share Growth (YoY)-1.84%0.83%1.19%7.16%4.03%+587 bps
Asset Quality
Delinquent Loans / Loans0.02%0.01%0.04%0.00%0.02%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.36%9.53%9.68%9.42%9.76%+40 bps
Net Worth / Assets9.36%9.53%9.68%9.42%9.76%+40 bps
Liquidity & Funding
Loans / Shares54.01%52.37%52.95%52.12%52.61%-140 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

United Catholics

Covina, CA · Charter 12029 · Peer group: credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=62)

NCUA · 1 branch

Q2 2026

$49.3MAssets
$23.2MLoans
$44.0MShares
$4.8MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 87% of credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 9 of 62).
  • Widest gap: equity / assets trails 71% of credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 44 of 62).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

0.74%

Rank 17 of 62

Net Interest Margin

3.30%

Rank 33 of 62

Efficiency Ratio

80.47%

Rank 28 of 62

Equity / Assets

9.76%

Rank 44 of 62

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.74%0.01%0.47%0.92%Beats 73%17 / 62
Return on Equity7.61%0.18%3.35%5.66%Beats 81%12 / 62
Net Interest Margin3.30%2.88%3.31%3.93%Beats 47%33 / 62
Efficiency Ratio80.47%71.17%84.14%92.47%Beats 56%28 / 62
Asset Quality
Nonperforming Loans / Loans0.02%0.22%0.52%0.99%Beats 87%9 / 62
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio9.76%9.30%12.20%16.33%Beats 29%44 / 62
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets9.76%9.30%12.20%16.33%Beats 29%44 / 62
Liquidity & Funding
Loans / Deposits52.61%48.69%57.00%84.55%32nd pctl42 / 62
Loans / Assets47.02%42.93%53.05%69.62%37th pctl39 / 62
Brokered Deposits / Depositsn/aNot reported for this institution