Los Angeles, CA · Charter 16570
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 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.
Capital
87
Asset Quality
5
Profitability
10
Liquidity
100
Efficiency
13
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 16570
NCUA · 2 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 | 2.20% | 1.71% | 0.74% | 0.30% | -0.19% | -239 bps | |
| Return on Equity | 9.75% | 7.32% | 3.18% | 1.29% | -0.83% | -1,059 bps | |
| Net Interest Margin | 4.09% | 3.38% | 3.83% | 1.25% | 1.48% | -261 bps | |
| Efficiency Ratio | 47.17% | 50.22% | 81.06% | 80.03% | 111.09% | +6,392 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.70% | 3.23% | -1.19% | -1.10% | -3.40% | -710 bps | |
| Loan Growth (YoY) | -6.06% | 1.82% | 11.10% | -0.89% | -7.93% | -187 bps | |
| Share Growth (YoY) | 2.73% | 1.53% | -2.54% | -1.36% | -4.14% | -687 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 22.87% | 11.86% | 12.84% | 3.94% | 3.26% | -1,961 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.49% | 1.58% | 1.51% | 1.63% | 1.62% | +13 bps | |
| Capital | |||||||
| Risk-Based Capital | 22.53% | 23.30% | 23.22% | 23.29% | 23.13% | +60 bps | |
| Net Worth / Assets | 22.53% | 23.30% | 23.22% | 23.29% | 23.13% | +60 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.45% | 57.62% | 61.43% | 57.11% | 57.10% | -235 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Los Angeles, CA · Charter 16570 · Peer group: credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=62)
NCUA · 2 branches
Q2 2026
Return on Assets
-0.31%
Rank 55 of 62
Net Interest Margin
1.55%
Rank 62 of 62
Efficiency Ratio
100.00%
Rank 55 of 62
Equity / Assets
23.14%
Rank 8 of 62
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.31% | 0.01% | 0.47% | 0.92% | Beats 11% | 55 / 62 | |
| Return on Equity | -1.34% | 0.18% | 3.35% | 5.66% | Beats 19% | 50 / 62 | |
| Net Interest Margin | 1.55% | 2.88% | 3.31% | 3.93% | Beats 0% | 62 / 62 | |
| Efficiency Ratio | 100.00% | 71.17% | 84.14% | 92.47% | Beats 13% | 55 / 62 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 3.19% | 0.22% | 0.52% | 0.99% | Beats 5% | 60 / 62 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 23.14% | 9.30% | 12.20% | 16.33% | Beats 87% | 8 / 62 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 23.14% | 9.30% | 12.20% | 16.33% | Beats 87% | 8 / 62 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 57.09% | 48.69% | 57.00% | 84.55% | 52nd pctl | 30 / 62 | |
| Loans / Assets | 43.79% | 42.93% | 53.05% | 69.62% | 31st pctl | 43 / 62 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||