La Mesa, CA · Charter 14016
NCUA · 2 branches
Q1 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2026, the quarter ended March 31, 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=63 to 64). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
13
Asset Quality
5
Profitability
19
Liquidity
46
Efficiency
5
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.
La Mesa, CA · Charter 14016
NCUA · 2 branches
Q1 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 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.68% | 0.48% | 0.17% | 0.06% | 0.09% | 0.04% | -0.03% | -0.51% | -57 bps | |
| Return on Equity | 8.17% | 6.07% | 2.07% | 0.80% | 1.17% | 0.51% | -0.41% | -6.36% | -716 bps | |
| Net Interest Margin | 3.83% | 3.69% | 3.77% | 3.44% | 3.83% | 3.73% | 3.84% | 3.47% | +3 bps | |
| Efficiency Ratio | 80.13% | 86.48% | 89.06% | 100.03% | 98.76% | 99.60% | 100.96% | 108.99% | +896 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.57% | -3.53% | -2.61% | 9.15% | 0.33% | -2.19% | -4.22% | -11.34% | -2,049 bps | |
| Loan Growth (YoY) | -13.98% | -13.72% | -12.33% | -9.58% | -10.11% | -13.90% | -13.26% | -13.44% | -385 bps | |
| Share Growth (YoY) | -5.33% | -3.91% | -1.13% | 10.09% | 0.53% | -2.35% | -6.11% | -12.12% | -2,221 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.95% | 1.02% | 2.93% | 0.88% | 3.08% | 2.72% | 2.25% | 1.59% | +71 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 | 8.27% | 7.98% | 8.00% | 7.29% | 8.12% | 7.99% | 8.32% | 8.04% | +75 bps | |
| Net Worth / Assets | 8.27% | 7.98% | 8.00% | 7.29% | 8.12% | 7.99% | 8.32% | 8.04% | +75 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.44% | 62.92% | 62.11% | 55.26% | 59.41% | 55.48% | 57.38% | 54.44% | -83 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
La Mesa, CA · Charter 14016 · Peer group: credit unions under $1B in assets in CA (n=63-64)
NCUA · 2 branches
Q1 2026
Return on Assets
-0.51%
Rank 59 of 64
Net Interest Margin
3.46%
Rank 35 of 63
Efficiency Ratio
109.25%
Rank 61 of 63
Equity / Assets
8.04%
Rank 55 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.51% | 0.10% | 0.46% | 0.97% | Beats 8% | 59 / 64 | ||
| Return on Equity | -6.39% | 1.07% | 4.23% | 7.61% | Beats 6% | 59 / 63 | ||
| Net Interest Margin | 3.46% | 3.17% | 3.49% | 4.07% | Beats 44% | 35 / 63 | ||
| Efficiency Ratio | 109.25% | 76.14% | 82.35% | 89.06% | Beats 5% | 61 / 63 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.60% | 0.13% | 0.41% | 0.71% | Beats 5% | 61 / 63 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.04% | 8.70% | 10.25% | 13.79% | Beats 13% | 56 / 64 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.04% | 8.63% | 9.84% | 13.78% | Beats 13% | 55 / 63 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 54.43% | 53.53% | 67.89% | 81.55% | 27th pctl | 46 / 63 | ||
| Loans / Assets | 49.99% | 47.97% | 57.21% | 72.39% | 32nd pctl | 43 / 63 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||