Los Angeles, CA · Charter 14499
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
11
Asset Quality
57
Profitability
26
Liquidity
80
Efficiency
22
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.
Los Angeles, CA · Charter 14499
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 | -0.27% | -0.07% | 0.13% | 0.14% | 0.16% | 0.16% | 0.20% | 0.29% | +15 bps | |
| Return on Equity | -2.96% | -0.71% | 1.42% | 1.54% | 1.73% | 1.77% | 2.19% | 3.27% | +172 bps | |
| Net Interest Margin | 2.76% | 2.84% | 3.19% | 3.30% | 3.24% | 3.29% | 3.28% | 3.33% | +3 bps | |
| Efficiency Ratio | 109.01% | 102.01% | 93.83% | 92.18% | 91.73% | 91.41% | 88.40% | 88.35% | -383 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.28% | 0.73% | -0.44% | -3.40% | 1.72% | 2.31% | 4.02% | 6.72% | +1,012 bps | |
| Loan Growth (YoY) | -1.31% | -0.54% | -1.70% | -2.44% | -2.03% | -1.98% | -2.43% | -2.87% | -43 bps | |
| Share Growth (YoY) | 1.64% | 5.64% | 5.80% | 0.29% | 1.35% | 1.45% | 2.08% | 7.30% | +702 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.10% | 0.13% | 0.11% | 0.07% | 1.11% | 0.85% | 0.05% | 0.53% | +46 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 | 9.03% | 9.23% | 9.14% | 9.39% | 9.13% | 9.18% | 8.96% | 9.03% | -36 bps | |
| Net Worth / Assets | 9.03% | 9.23% | 9.14% | 9.39% | 9.13% | 9.18% | 8.96% | 9.03% | -36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.30% | 81.33% | 78.43% | 81.69% | 78.59% | 78.58% | 74.97% | 73.94% | -774 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Los Angeles, CA · Charter 14499 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.29%
Rank 1,315 of 1,683
Net Interest Margin
3.33%
Rank 1,255 of 1,683
Efficiency Ratio
88.36%
Rank 1,317 of 1,682
Equity / Assets
9.03%
Rank 1,502 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.29% | 0.35% | 0.74% | 1.18% | Beats 22% | 1,315 / 1,683 | ||
| Return on Equity | 3.26% | 2.67% | 5.89% | 8.74% | Beats 30% | 1,181 / 1,681 | ||
| Net Interest Margin | 3.33% | 3.31% | 3.82% | 4.32% | Beats 25% | 1,255 / 1,683 | ||
| Efficiency Ratio | 88.36% | 68.91% | 78.20% | 86.93% | Beats 22% | 1,317 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.53% | 0.26% | 0.65% | 1.29% | Beats 57% | 719 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.03% | 10.44% | 12.89% | 16.53% | Beats 11% | 1,502 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.03% | 10.44% | 12.89% | 16.53% | Beats 11% | 1,502 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 73.94% | 52.61% | 69.38% | 83.50% | 58th pctl | 699 / 1,683 | ||
| Loans / Assets | 67.22% | 44.71% | 59.18% | 70.72% | 67th pctl | 550 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||