Escondido, CA · Charter 13402
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
70
Asset Quality
89
Profitability
59
Liquidity
0
Efficiency
83
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.
Escondido, CA · Charter 13402
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 | 1.43% | 1.40% | 1.40% | 0.85% | 1.17% | -26 bps | |
| Return on Equity | 10.92% | 10.59% | 10.46% | 6.30% | 8.55% | -238 bps | |
| Net Interest Margin | 3.29% | 3.36% | 3.35% | 3.27% | 3.29% | 0 bps | |
| Efficiency Ratio | 60.85% | 61.04% | 62.09% | 69.41% | 65.09% | +423 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.30% | 9.38% | 7.34% | 3.82% | 4.96% | -234 bps | |
| Loan Growth (YoY) | 3.01% | 1.88% | 0.71% | 2.32% | 2.43% | -58 bps | |
| Share Growth (YoY) | 6.81% | 9.29% | 6.89% | 3.00% | 4.28% | -253 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.02% | 0.04% | 0.01% | 0.15% | 0.06% | +4 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 | 13.05% | 13.26% | 13.38% | 13.41% | 13.67% | +63 bps | |
| Net Worth / Assets | 13.05% | 13.26% | 13.38% | 13.41% | 13.67% | +63 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 40.04% | 40.60% | 39.84% | 38.75% | 39.34% | -71 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Escondido, CA · Charter 13402 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 1 branch
Q2 2026
Return on Assets
1.17%
Rank 16 of 63
Net Interest Margin
3.29%
Rank 45 of 63
Efficiency Ratio
65.10%
Rank 12 of 63
Equity / Assets
13.68%
Rank 19 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.17% | 0.17% | 0.56% | 1.17% | Beats 75% | 16 / 63 | |
| Return on Equity | 8.54% | 1.81% | 4.79% | 8.64% | Beats 73% | 17 / 63 | |
| Net Interest Margin | 3.29% | 3.18% | 3.49% | 3.98% | Beats 29% | 45 / 63 | |
| Efficiency Ratio | 65.10% | 70.58% | 81.25% | 89.21% | Beats 83% | 12 / 63 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.06% | 0.17% | 0.42% | 0.85% | Beats 89% | 8 / 62 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 13.68% | 8.61% | 10.56% | 14.01% | Beats 70% | 19 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 13.68% | 8.61% | 10.56% | 14.01% | Beats 70% | 19 / 63 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 39.34% | 53.46% | 72.75% | 85.33% | 2nd pctl | 61 / 62 | |
| Loans / Assets | 33.84% | 46.35% | 58.08% | 72.17% | 3rd pctl | 61 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||