El Cajon, CA · Charter 13526
NCUA · 2 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
54
Asset Quality
100
Profitability
54
Liquidity
0
Efficiency
70
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.
El Cajon, CA · Charter 13526
NCUA · 2 branches
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 | 0.76% | 0.79% | 0.78% | 1.03% | 1.01% | 1.04% | 0.90% | 0.95% | -8 bps | |
| Return on Equity | 7.38% | 7.68% | 7.54% | 9.45% | 9.31% | 9.23% | 7.69% | 8.51% | -94 bps | |
| Net Interest Margin | 2.85% | 2.80% | 2.92% | 3.05% | 3.03% | 3.11% | 3.27% | 3.13% | +9 bps | |
| Efficiency Ratio | 74.41% | 74.12% | 77.19% | 72.44% | 72.05% | 71.53% | 76.70% | 73.44% | +99 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.34% | 3.09% | -0.44% | -0.57% | 4.42% | 0.67% | -1.83% | 7.12% | +769 bps | |
| Loan Growth (YoY) | -6.96% | -8.01% | -9.21% | -8.28% | -7.59% | -6.31% | -4.27% | -0.19% | +809 bps | |
| Share Growth (YoY) | -2.31% | 3.27% | -2.48% | -2.11% | 2.90% | -1.69% | -3.23% | 5.91% | +801 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.05% | 0.05% | 0.06% | 0.06% | 0.06% | 0.00% | 0.00% | 0.00% | -6 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 | 10.29% | 10.25% | 10.38% | 10.90% | 10.84% | 11.22% | 11.66% | 11.15% | +25 bps | |
| Net Worth / Assets | 10.29% | 10.25% | 10.38% | 10.90% | 10.84% | 11.22% | 11.66% | 11.15% | +25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.15% | 44.43% | 43.42% | 44.10% | 42.35% | 42.34% | 42.95% | 41.56% | -254 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
El Cajon, CA · Charter 13526 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 2 branches
Q2 2026
Return on Assets
0.95%
Rank 19 of 63
Net Interest Margin
3.13%
Rank 49 of 63
Efficiency Ratio
73.46%
Rank 20 of 63
Equity / Assets
11.15%
Rank 29 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.95% | 0.17% | 0.56% | 1.17% | Beats 70% | 19 / 63 | ||
| Return on Equity | 8.53% | 1.81% | 4.79% | 8.64% | Beats 71% | 18 / 63 | ||
| Net Interest Margin | 3.13% | 3.18% | 3.49% | 3.98% | Beats 22% | 49 / 63 | ||
| Efficiency Ratio | 73.46% | 70.58% | 81.25% | 89.21% | Beats 70% | 20 / 63 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.17% | 0.42% | 0.85% | Beats 100% | 4 / 62 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.15% | 8.61% | 10.56% | 14.01% | Beats 54% | 29 / 63 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.15% | 8.61% | 10.56% | 14.01% | Beats 54% | 29 / 63 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 41.57% | 53.46% | 72.75% | 85.33% | 8th pctl | 57 / 62 | ||
| Loans / Assets | 36.58% | 46.35% | 58.08% | 72.17% | 10th pctl | 57 / 63 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||