Fontana, CA · Charter 12898
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 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
24
Asset Quality
15
Profitability
15
Liquidity
0
Efficiency
8
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.
Fontana, CA · Charter 12898
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 | 0.01% | 0.09% | 0.10% | 0.10% | 0.08% | +7 bps | |
| Return on Equity | 0.10% | 1.02% | 1.09% | 1.19% | 0.96% | +86 bps | |
| Net Interest Margin | 2.71% | 2.83% | 2.96% | 2.90% | 2.95% | +25 bps | |
| Efficiency Ratio | 93.92% | 91.82% | 92.48% | 96.28% | 94.35% | +42 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.48% | 2.86% | -0.18% | 0.29% | 1.53% | -95 bps | |
| Loan Growth (YoY) | -7.59% | -10.22% | -12.97% | -9.40% | -8.98% | -138 bps | |
| Share Growth (YoY) | 2.83% | 3.16% | 0.35% | 0.79% | 2.08% | -74 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.13% | 1.12% | 1.46% | 1.38% | 1.06% | -7 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 | 8.61% | 8.84% | 9.09% | 8.72% | 8.61% | 0 bps | |
| Net Worth / Assets | 8.61% | 8.84% | 9.09% | 8.72% | 8.61% | 0 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 47.54% | 47.32% | 46.36% | 42.86% | 42.39% | -515 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Fontana, CA · Charter 12898 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 1 branch
Q2 2026
Return on Assets
0.08%
Rank 52 of 63
Net Interest Margin
2.95%
Rank 57 of 63
Efficiency Ratio
94.31%
Rank 59 of 63
Equity / Assets
8.61%
Rank 48 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.08% | 0.17% | 0.56% | 1.17% | Beats 17% | 52 / 63 | |
| Return on Equity | 0.93% | 1.81% | 4.79% | 8.64% | Beats 17% | 52 / 63 | |
| Net Interest Margin | 2.95% | 3.18% | 3.49% | 3.98% | Beats 10% | 57 / 63 | |
| Efficiency Ratio | 94.31% | 70.58% | 81.25% | 89.21% | Beats 8% | 59 / 63 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.06% | 0.17% | 0.42% | 0.85% | Beats 15% | 54 / 62 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.61% | 8.61% | 10.56% | 14.01% | Beats 24% | 48 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.61% | 8.61% | 10.56% | 14.01% | Beats 24% | 48 / 63 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 42.39% | 53.46% | 72.75% | 85.33% | 10th pctl | 56 / 62 | |
| Loans / Assets | 38.99% | 46.35% | 58.08% | 72.17% | 13th pctl | 55 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||