Ontario, CA · Charter 21532
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
6
Asset Quality
60
Profitability
60
Liquidity
82
Efficiency
51
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.
Ontario, CA · Charter 21532
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 | 0.85% | 0.66% | 0.56% | 0.51% | 0.51% | -34 bps | |
| Return on Equity | 10.99% | 8.44% | 7.04% | 6.53% | 6.72% | -426 bps | |
| Net Interest Margin | 3.71% | 3.87% | 3.97% | 4.08% | 3.96% | +25 bps | |
| Efficiency Ratio | 76.51% | 80.38% | 82.06% | 82.40% | 81.26% | +475 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.99% | 5.28% | 1.95% | 0.11% | 6.71% | +372 bps | |
| Loan Growth (YoY) | 4.07% | 3.05% | 6.37% | 0.12% | -0.06% | -413 bps | |
| Share Growth (YoY) | 2.53% | 2.66% | 1.36% | -0.66% | 5.85% | +332 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.06% | 0.08% | 0.22% | 0.05% | 0.26% | +21 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 | 7.72% | 7.87% | 7.90% | 7.85% | 7.55% | -17 bps | |
| Net Worth / Assets | 7.72% | 7.87% | 7.90% | 7.85% | 7.55% | -17 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.49% | 80.90% | 82.02% | 79.04% | 75.05% | -444 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Ontario, CA · Charter 21532 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 2 branches
Q2 2026
Return on Assets
0.51%
Rank 35 of 63
Net Interest Margin
3.97%
Rank 17 of 63
Efficiency Ratio
81.25%
Rank 32 of 63
Equity / Assets
7.55%
Rank 59 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.51% | 0.17% | 0.56% | 1.17% | Beats 44% | 35 / 63 | |
| Return on Equity | 6.70% | 1.81% | 4.79% | 8.64% | Beats 62% | 24 / 63 | |
| Net Interest Margin | 3.97% | 3.18% | 3.49% | 3.98% | Beats 73% | 17 / 63 | |
| Efficiency Ratio | 81.25% | 70.58% | 81.25% | 89.21% | Beats 51% | 32 / 63 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.26% | 0.17% | 0.42% | 0.85% | Beats 60% | 26 / 62 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 7.55% | 8.61% | 10.56% | 14.01% | Beats 6% | 59 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 7.55% | 8.61% | 10.56% | 14.01% | Beats 6% | 59 / 63 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 75.05% | 53.46% | 72.75% | 85.33% | 58th pctl | 26 / 62 | |
| Loans / Assets | 68.78% | 46.35% | 58.08% | 72.17% | 62nd pctl | 24 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||