PackageTrendsPeer
Letter portraitLegal landscape

Torrance Community

Torrance, CA · Charter 12543

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

37

Q2 2024Q2 2026peer median (50)

Asset Quality

77

Q2 2024Q2 2026peer median (50)

Profitability

58

Q2 2024Q2 2026peer median (50)

Liquidity

50

Q2 2024Q2 2026peer median

Efficiency

52

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

Torrance Community

Torrance, CA · Charter 12543

NCUA · 1 branch

Q2 2026

$162.9MAssets
$70.0MLoans
$150.8MShares
$16.5MNet 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 0.57%, down 81 bps year over year; NIM at 3.26%.
  • Asset quality: problem loans at 0.13% of loans (-8 bps YoY).
  • Capital: net worth / assets of 10.15%, up 14 bps from a year ago.
  • Funding: loans stand at 46.38% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.57%-81 bps YoY

Net Interest Margin (YTD, annualized)

3.26%+3 bps YoY

Efficiency Ratio (YTD, annualized)

83.88%+1,687 bps YoY

Net Worth / Assets

10.15%+14 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.39%1.15%0.98%0.61%0.57%-81 bps
Return on Equity13.84%11.37%9.81%6.00%5.66%-818 bps
Net Interest Margin3.23%3.26%3.20%3.28%3.26%+3 bps
Efficiency Ratio67.01%69.52%72.90%83.34%83.88%+1,687 bps
Growth
Asset Growth (YoY)-0.70%2.06%5.48%2.08%4.53%+523 bps
Loan Growth (YoY)11.69%6.85%5.49%7.42%7.56%-413 bps
Share Growth (YoY)-0.98%0.22%2.54%0.14%3.58%+456 bps
Asset Quality
Delinquent Loans / Loans0.21%0.37%0.10%0.06%0.13%-8 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 Capital10.01%10.11%10.00%10.22%10.15%+14 bps
Net Worth / Assets10.01%10.11%10.00%10.22%10.15%+14 bps
Liquidity & Funding
Loans / Shares44.66%44.98%45.81%47.63%46.38%+171 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

Torrance Community

Torrance, CA · Charter 12543 · Peer group: credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=62)

NCUA · 1 branch

Q2 2026

$162.9MAssets
$70.0MLoans
$150.8MShares
$16.5MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 77% of credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 15 of 62).
  • Widest gap: equity / assets trails 63% of credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 39 of 62).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

0.57%

Rank 25 of 62

Net Interest Margin

3.26%

Rank 36 of 62

Efficiency Ratio

83.91%

Rank 31 of 62

Equity / Assets

10.15%

Rank 39 of 62

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.57%0.01%0.47%0.92%Beats 60%25 / 62
Return on Equity5.66%0.18%3.35%5.66%Beats 73%17 / 62
Net Interest Margin3.26%2.88%3.31%3.93%Beats 42%36 / 62
Efficiency Ratio83.91%71.17%84.14%92.47%Beats 52%31 / 62
Asset Quality
Nonperforming Loans / Loans0.13%0.22%0.52%0.99%Beats 77%15 / 62
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio10.15%9.30%12.20%16.33%Beats 37%39 / 62
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets10.15%9.30%12.20%16.33%Beats 37%39 / 62
Liquidity & Funding
Loans / Deposits46.38%48.69%57.00%84.55%21st pctl49 / 62
Loans / Assets42.93%42.93%53.05%69.62%24th pctl47 / 62
Brokered Deposits / Depositsn/aNot reported for this institution