Ontario, CA · Charter 13044
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
86
Asset Quality
16
Profitability
81
Liquidity
19
Efficiency
79
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.
Ontario, CA · Charter 13044
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.65% | 1.70% | 1.46% | 1.77% | 1.70% | 1.66% | 1.33% | 1.46% | -32 bps | |
| Return on Equity | 12.92% | 13.01% | 11.43% | 12.90% | 11.94% | 11.33% | 8.90% | 9.41% | -348 bps | |
| Net Interest Margin | 4.51% | 4.49% | 4.25% | 4.54% | 4.63% | 4.64% | 4.36% | 4.39% | -15 bps | |
| Efficiency Ratio | 63.89% | 62.62% | 64.96% | 59.98% | 62.35% | 63.44% | 70.53% | 68.15% | +817 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.46% | -4.14% | -0.90% | 0.58% | 1.87% | 0.71% | -4.02% | -1.80% | -238 bps | |
| Loan Growth (YoY) | -9.34% | -12.19% | -11.24% | -8.51% | -5.99% | -9.93% | -15.32% | -18.07% | -955 bps | |
| Share Growth (YoY) | -15.27% | -6.46% | -3.46% | -1.81% | 0.07% | -0.90% | -6.30% | -3.73% | -192 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.98% | 1.04% | 0.86% | 1.02% | 0.86% | 0.98% | 1.96% | 1.02% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.74% | 13.10% | 12.81% | 13.76% | 14.22% | 14.63% | 14.92% | 15.48% | +172 bps | |
| Net Worth / Assets | 12.74% | 13.10% | 12.81% | 13.76% | 14.22% | 14.63% | 14.92% | 15.48% | +172 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.47% | 59.02% | 54.69% | 56.32% | 56.81% | 53.64% | 49.42% | 47.93% | -839 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Ontario, CA · Charter 13044 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 1 branch
Q2 2026
Return on Assets
1.46%
Rank 10 of 63
Net Interest Margin
4.39%
Rank 10 of 63
Efficiency Ratio
68.13%
Rank 14 of 63
Equity / Assets
15.48%
Rank 9 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.46% | 0.17% | 0.56% | 1.17% | Beats 84% | 10 / 63 | ||
| Return on Equity | 9.42% | 1.81% | 4.79% | 8.64% | Beats 76% | 15 / 63 | ||
| Net Interest Margin | 4.39% | 3.18% | 3.49% | 3.98% | Beats 84% | 10 / 63 | ||
| Efficiency Ratio | 68.13% | 70.58% | 81.25% | 89.21% | Beats 79% | 14 / 63 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.01% | 0.17% | 0.42% | 0.85% | Beats 16% | 53 / 62 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.48% | 8.61% | 10.56% | 14.01% | Beats 86% | 9 / 63 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.48% | 8.61% | 10.56% | 14.01% | Beats 86% | 9 / 63 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 47.93% | 53.46% | 72.75% | 85.33% | 16th pctl | 52 / 62 | ||
| Loans / Assets | 40.00% | 46.35% | 58.08% | 72.17% | 16th pctl | 53 / 63 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||