Polam Los Angeles, CA · Charter 19739 · Peer group: credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=62)
NCUA · 2 branches
Q2 2026
$73.2M Assets
$35.7M Loans
$65.5M Shares
$7.2M Net Worth
Executive Summary Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 6 of 62). Widest gap: return on equity trails 97% of credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 60 of 62). Overall: at or above the peer median on 1 of 7 directional measures. Return on Assets
-0.91%
Rank 58 of 62
Net Interest Margin
2.44%
Rank 54 of 62
Efficiency Ratio
127.86%
Rank 60 of 62
Equity / Assets
9.86%
Rank 43 of 62
Metric Your Credit Union Peer 25th Peer Median Peer 75th Standing Rank Peer Position Earnings Return on Assets -0.91% 0.01% 0.47% 0.92% Beats 6% 58 / 62 Return on Equity -9.26% 0.18% 3.35% 5.66% Beats 3% 60 / 62 Net Interest Margin 2.44% 2.88% 3.31% 3.93% Beats 13% 54 / 62 Efficiency Ratio 127.86% 71.17% 84.14% 92.47% Beats 5% 60 / 62 Asset Quality Nonperforming Loans / Loans 0.00% 0.22% 0.52% 0.99% Beats 100% 6 / 62 Net Charge-Offs / Loans n/a Not reported for this institution Capital Tier 1 Capital Ratio 9.86% 9.30% 12.20% 16.33% Beats 31% 43 / 62 Total Risk-Based Capital Ratio n/a Not reported for this institution Equity / Assets 9.86% 9.30% 12.20% 16.33% Beats 31% 43 / 62 Liquidity & Funding Loans / Deposits 54.42% 48.69% 57.00% 84.55% 35th pctl 40 / 62 Loans / Assets 48.75% 42.93% 53.05% 69.62% 42nd pctl 36 / 62 Brokered Deposits / Deposits n/a Not reported for this institution
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure. Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.50%, the median effective tax rate of the 2,758 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-11