Chula Vista, CA · Charter 18405
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
11
Asset Quality
39
Profitability
97
Liquidity
73
Efficiency
21
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.
Chula Vista, CA · Charter 18405
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 | -0.66% | -0.51% | -3.13% | 10.13% | 4.44% | +509 bps | |
| Return on Equity | -8.72% | -6.66% | -57.50% | 119.10% | 53.72% | +6,244 bps | |
| Net Interest Margin | 5.07% | 5.34% | 5.72% | 6.47% | 6.32% | +125 bps | |
| Efficiency Ratio | 93.84% | 95.70% | 97.50% | 81.41% | 91.06% | -278 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.72% | -9.06% | -2.89% | -15.61% | -17.24% | -2,296 bps | |
| Loan Growth (YoY) | -5.07% | -5.36% | -6.82% | -11.62% | -9.59% | -452 bps | |
| Share Growth (YoY) | 8.25% | -7.93% | 0.01% | -19.68% | -23.78% | -3,203 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.20% | 0.23% | 0.01% | 0.70% | 0.64% | +43 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.61% | 0.67% | 3.64% | -1.26% | 0.17% | -44 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.54% | 7.68% | 5.44% | 8.51% | 8.26% | +71 bps | |
| Net Worth / Assets | 7.54% | 7.68% | 5.44% | 8.51% | 8.26% | +71 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 65.08% | 65.12% | 65.37% | 73.70% | 77.19% | +1,212 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 99.86% | +9,986 bps | |
Chula Vista, CA · Charter 18405 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 2 branches
Q2 2026
Return on Assets
4.41%
Rank 2 of 63
Net Interest Margin
6.33%
Rank 1 of 63
Efficiency Ratio
90.48%
Rank 51 of 63
Equity / Assets
8.25%
Rank 56 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.41% | 0.17% | 0.56% | 1.17% | Beats 97% | 2 / 63 | |
| Return on Equity | 53.49% | 1.81% | 4.79% | 8.64% | Beats 97% | 2 / 63 | |
| Net Interest Margin | 6.33% | 3.18% | 3.49% | 3.98% | Beats 98% | 1 / 63 | |
| Efficiency Ratio | 90.48% | 70.58% | 81.25% | 89.21% | Beats 21% | 51 / 63 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.64% | 0.17% | 0.42% | 0.85% | Beats 39% | 39 / 62 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.25% | 8.61% | 10.56% | 14.01% | Beats 11% | 56 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.25% | 8.61% | 10.56% | 14.01% | Beats 11% | 56 / 63 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 77.17% | 53.46% | 72.75% | 85.33% | 61st pctl | 24 / 62 | |
| Loans / Assets | 65.17% | 46.35% | 58.08% | 72.17% | 57th pctl | 27 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||