Ventura, CA · Charter 13495
NCUA · 3 branches
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
17
Asset Quality
2
Profitability
17
Liquidity
95
Efficiency
24
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.
Ventura, CA · Charter 13495
NCUA · 3 branches
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 | 0.63% | 0.79% | 0.72% | 0.10% | 0.13% | -50 bps | |
| Return on Equity | 8.21% | 9.86% | 8.90% | 1.19% | 1.55% | -665 bps | |
| Net Interest Margin | 2.47% | 2.65% | 2.74% | 2.91% | 2.96% | +49 bps | |
| Efficiency Ratio | 68.86% | 70.60% | 73.09% | 91.02% | 90.36% | +2,150 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.10% | 1.36% | 1.16% | -5.23% | -3.96% | -606 bps | |
| Loan Growth (YoY) | -8.19% | -8.03% | -13.11% | -16.92% | -16.78% | -859 bps | |
| Share Growth (YoY) | 1.96% | 1.00% | 0.56% | -6.40% | -4.76% | -673 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.30% | 1.71% | 2.89% | 1.27% | 3.52% | +322 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 | 7.70% | 8.00% | 8.12% | 8.42% | 8.51% | +81 bps | |
| Net Worth / Assets | 7.70% | 8.00% | 8.12% | 8.42% | 8.51% | +81 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.88% | 80.24% | 73.99% | 71.92% | 69.80% | -1,008 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Ventura, CA · Charter 13495 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 3 branches
Q2 2026
Return on Assets
0.13%
Rank 49 of 63
Net Interest Margin
2.96%
Rank 56 of 63
Efficiency Ratio
90.32%
Rank 49 of 63
Equity / Assets
8.51%
Rank 52 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.13% | 0.17% | 0.56% | 1.17% | Beats 22% | 49 / 63 | |
| Return on Equity | 1.55% | 1.81% | 4.79% | 8.64% | Beats 19% | 51 / 63 | |
| Net Interest Margin | 2.96% | 3.18% | 3.49% | 3.98% | Beats 11% | 56 / 63 | |
| Efficiency Ratio | 90.32% | 70.58% | 81.25% | 89.21% | Beats 24% | 49 / 63 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 3.52% | 0.17% | 0.42% | 0.85% | Beats 2% | 62 / 62 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.51% | 8.61% | 10.56% | 14.01% | Beats 17% | 52 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.51% | 8.61% | 10.56% | 14.01% | Beats 17% | 52 / 63 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 69.80% | 53.46% | 72.75% | 85.33% | 48th pctl | 32 / 62 | |
| Loans / Assets | 63.66% | 46.35% | 58.08% | 72.17% | 54th pctl | 29 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||