Cerritos, CA · Charter 23004
NCUA · 4 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
47
Asset Quality
34
Profitability
85
Liquidity
67
Efficiency
77
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.
Cerritos, CA · Charter 23004
NCUA · 4 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.35% | 0.44% | 0.69% | 0.83% | 1.23% | 1.12% | 0.93% | 1.17% | +34 bps | |
| Return on Equity | 3.21% | 3.86% | 6.18% | 7.44% | 10.85% | 9.62% | 8.02% | 9.90% | +246 bps | |
| Net Interest Margin | 4.01% | 4.15% | 4.05% | 4.09% | 4.11% | 4.20% | 4.29% | 4.30% | +21 bps | |
| Efficiency Ratio | 68.91% | 71.46% | 77.80% | 73.73% | 72.80% | 74.70% | 72.31% | 70.68% | -305 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.85% | -3.33% | -0.64% | 0.75% | 4.41% | 6.90% | 4.29% | 4.06% | +330 bps | |
| Loan Growth (YoY) | -5.60% | -6.89% | -7.56% | -7.45% | -6.93% | -5.96% | -2.35% | -0.54% | +691 bps | |
| Share Growth (YoY) | -0.26% | 3.49% | 5.95% | 7.55% | 8.25% | 5.22% | 2.69% | 2.24% | -531 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.45% | 0.50% | 0.33% | 0.36% | 0.41% | 0.35% | 0.24% | 0.79% | +42 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.90% | 11.44% | 11.08% | 11.17% | 11.37% | 11.67% | 11.65% | 11.86% | +69 bps | |
| Net Worth / Assets | 10.90% | 11.44% | 11.08% | 11.17% | 11.37% | 11.67% | 11.65% | 11.86% | +69 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.68% | 78.12% | 72.23% | 70.69% | 69.36% | 69.82% | 68.69% | 68.77% | -192 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Cerritos, CA · Charter 23004 · Peer group: credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=62)
NCUA · 4 branches
Q2 2026
Return on Assets
1.17%
Rank 11 of 62
Net Interest Margin
4.30%
Rank 9 of 62
Efficiency Ratio
70.68%
Rank 15 of 62
Equity / Assets
11.86%
Rank 33 of 62
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.17% | 0.01% | 0.47% | 0.92% | Beats 82% | 11 / 62 | ||
| Return on Equity | 9.90% | 0.18% | 3.35% | 5.66% | Beats 89% | 7 / 62 | ||
| Net Interest Margin | 4.30% | 2.88% | 3.31% | 3.93% | Beats 85% | 9 / 62 | ||
| Efficiency Ratio | 70.68% | 71.17% | 84.14% | 92.47% | Beats 77% | 15 / 62 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.79% | 0.22% | 0.52% | 0.99% | Beats 34% | 42 / 62 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.86% | 9.30% | 12.20% | 16.33% | Beats 47% | 33 / 62 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.86% | 9.30% | 12.20% | 16.33% | Beats 47% | 33 / 62 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 68.77% | 48.69% | 57.00% | 84.55% | 58th pctl | 26 / 62 | ||
| Loans / Assets | 60.90% | 42.93% | 53.05% | 69.62% | 65th pctl | 22 / 62 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||