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Edwards

Edwards, CA · Charter 14830

NCUA · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area3

Basis

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.

Peer group

Credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=62). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

19

Q2 2024Q2 2026peer median (50)

Asset Quality

32

Q2 2024Q2 2026peer median (50)

Profitability

34

Q2 2024Q2 2026peer median (50)

Liquidity

90

Q2 2024Q2 2026peer median

Efficiency

23

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Edwards

Edwards, CA · Charter 14830

NCUA · 2 branches

Q2 2026

$276.6MAssets
$153.6MLoans
$253.9MShares
$24.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.18%, up 1 bps year over year; NIM at 3.67%.
  • Asset quality: problem loans at 0.81% of loans (+18 bps YoY).
  • Capital: net worth / assets of 8.76%, down 34 bps from a year ago.
  • Funding: loans stand at 60.50% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.18%+1 bps YoY

Net Interest Margin (YTD, annualized)

3.67%+39 bps YoY

Efficiency Ratio (YTD, annualized)

93.71%-342 bps YoY

Net Worth / Assets

8.76%-34 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.19%-0.19%-0.03%-0.16%-0.18%+1 bps
Return on Equity-2.04%-2.10%-0.34%-1.79%-2.00%+4 bps
Net Interest Margin3.28%3.35%3.37%3.60%3.67%+39 bps
Efficiency Ratio97.13%95.44%92.31%98.99%93.71%-342 bps
Growth
Asset Growth (YoY)3.00%2.80%6.62%3.78%3.36%+36 bps
Loan Growth (YoY)15.24%21.91%21.59%16.73%7.51%-773 bps
Share Growth (YoY)2.12%2.39%5.55%3.43%3.17%+106 bps
Asset Quality
Delinquent Loans / Loans0.64%0.73%0.71%0.87%0.81%+18 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.10%9.02%8.87%8.75%8.76%-34 bps
Net Worth / Assets9.10%9.02%8.87%8.75%8.76%-34 bps
Liquidity & Funding
Loans / Shares58.06%60.17%60.01%60.56%60.50%+244 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Edwards

Edwards, CA · Charter 14830 · Peer group: credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=62)

NCUA · 2 branches

Q2 2026

$276.6MAssets
$153.6MLoans
$253.9MShares
$24.2MNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 66% of credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 21 of 62).
  • Widest gap: return on equity trails 82% of credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 51 of 62).
  • Overall: at or above the peer median on 1 of 7 directional measures.

Return on Assets

-0.17%

Rank 50 of 62

Net Interest Margin

3.67%

Rank 21 of 62

Efficiency Ratio

93.72%

Rank 49 of 62

Equity / Assets

8.76%

Rank 50 of 62

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.17%0.01%0.47%0.92%Beats 19%50 / 62
Return on Equity-2.00%0.18%3.35%5.66%Beats 18%51 / 62
Net Interest Margin3.67%2.88%3.31%3.93%Beats 66%21 / 62
Efficiency Ratio93.72%71.17%84.14%92.47%Beats 23%49 / 62
Asset Quality
Nonperforming Loans / Loans0.81%0.22%0.52%0.99%Beats 32%43 / 62
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio8.76%9.30%12.20%16.33%Beats 19%50 / 62
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets8.76%9.30%12.20%16.33%Beats 19%50 / 62
Liquidity & Funding
Loans / Deposits60.50%48.69%57.00%84.55%53rd pctl29 / 62
Loans / Assets55.53%42.93%53.05%69.62%55th pctl28 / 62
Brokered Deposits / Depositsn/aNot reported for this institution