Valencia, CA · Charter 1999
NCUA · 19 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 $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=19). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
95
Asset Quality
16
Profitability
51
Liquidity
14
Efficiency
89
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.
Valencia, CA · Charter 1999
NCUA · 19 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 | 0.88% | 0.90% | 0.89% | 0.92% | 0.92% | +4 bps | |
| Return on Equity | 5.88% | 6.01% | 5.85% | 5.96% | 5.84% | -4 bps | |
| Net Interest Margin | 2.53% | 2.54% | 2.59% | 2.70% | 2.75% | +23 bps | |
| Efficiency Ratio | 61.26% | 61.10% | 61.49% | 61.87% | 62.05% | +79 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.44% | -1.76% | -0.66% | 1.11% | 1.07% | +351 bps | |
| Loan Growth (YoY) | -0.01% | 0.84% | 0.95% | 0.85% | 0.93% | +94 bps | |
| Share Growth (YoY) | 3.44% | 3.74% | 3.24% | 3.65% | 3.56% | +12 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.81% | 0.96% | 0.88% | 0.73% | 1.08% | +27 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.91% | 14.93% | 15.25% | 15.40% | 15.67% | +76 bps | |
| Net Worth / Assets | 14.91% | 14.93% | 15.25% | 15.40% | 15.67% | +76 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 97.93% | 97.09% | 96.29% | 94.27% | 95.44% | -249 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Valencia, CA · Charter 1999 · Peer group: credit unions $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=19)
NCUA · 19 branches
Q2 2026
Return on Assets
0.92%
Rank 6 of 19
Net Interest Margin
2.75%
Rank 13 of 19
Efficiency Ratio
62.05%
Rank 3 of 19
Equity / Assets
15.67%
Rank 1 of 19
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.92% | 0.27% | 0.60% | 1.02% | Beats 68% | 6 / 19 | |
| Return on Equity | 5.84% | 2.40% | 5.67% | 8.40% | Beats 53% | 9 / 19 | |
| Net Interest Margin | 2.75% | 2.65% | 2.97% | 3.42% | Beats 32% | 13 / 19 | |
| Efficiency Ratio | 62.05% | 64.19% | 77.39% | 85.63% | Beats 89% | 3 / 19 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.08% | 0.44% | 0.61% | 0.87% | Beats 16% | 17 / 19 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 15.67% | 9.41% | 10.19% | 11.40% | Beats 95% | 1 / 19 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 15.67% | 9.41% | 10.19% | 11.40% | Beats 95% | 1 / 19 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 95.44% | 69.76% | 83.28% | 94.64% | 79th pctl | 4 / 19 | |
| Loans / Assets | 80.10% | 53.33% | 68.68% | 78.95% | 84th pctl | 3 / 19 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||