Orange, CA · Charter 24131
NCUA · 1 branch
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
13
Asset Quality
100
Profitability
87
Liquidity
61
Efficiency
73
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.
Orange, CA · Charter 24131
NCUA · 1 branch
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 | 1.14% | 1.37% | 1.03% | 1.55% | 1.26% | 1.48% | 0.65% | 1.20% | -35 bps | |
| Return on Equity | 16.72% | 16.34% | 14.67% | 18.46% | 17.29% | 17.00% | 8.54% | 13.90% | -456 bps | |
| Net Interest Margin | 3.57% | 4.34% | 3.44% | 4.25% | 3.59% | 4.18% | 3.52% | 4.00% | -25 bps | |
| Efficiency Ratio | 72.23% | 72.11% | 74.90% | 69.88% | 70.49% | 70.57% | 84.00% | 74.98% | +510 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.89% | -5.26% | 5.13% | 7.41% | 9.92% | 13.31% | 6.77% | 11.00% | +359 bps | |
| Loan Growth (YoY) | 1.62% | 1.55% | 0.38% | -1.31% | 0.02% | -3.74% | -4.76% | -6.99% | -568 bps | |
| Share Growth (YoY) | -4.10% | -2.47% | 4.34% | 8.15% | 9.84% | 13.90% | 6.54% | 10.75% | +260 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.11% | 0.02% | 0.03% | 0.08% | 0.03% | 0.00% | 0.09% | 0.00% | -8 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 | 6.84% | 8.39% | 7.05% | 8.40% | 7.29% | 8.70% | 7.63% | 8.62% | +22 bps | |
| Net Worth / Assets | 6.84% | 8.39% | 7.05% | 8.40% | 7.29% | 8.70% | 7.63% | 8.62% | +22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.20% | 64.23% | 50.37% | 57.98% | 48.45% | 54.28% | 45.03% | 48.69% | -929 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Orange, CA · Charter 24131 · Peer group: credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=62)
NCUA · 1 branch
Q2 2026
Return on Assets
1.20%
Rank 10 of 62
Net Interest Margin
4.00%
Rank 13 of 62
Efficiency Ratio
75.00%
Rank 18 of 62
Equity / Assets
8.62%
Rank 54 of 62
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.20% | 0.01% | 0.47% | 0.92% | Beats 84% | 10 / 62 | ||
| Return on Equity | 13.89% | 0.18% | 3.35% | 5.66% | Beats 97% | 2 / 62 | ||
| Net Interest Margin | 4.00% | 2.88% | 3.31% | 3.93% | Beats 79% | 13 / 62 | ||
| Efficiency Ratio | 75.00% | 71.17% | 84.14% | 92.47% | Beats 73% | 18 / 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 | 8.62% | 9.30% | 12.20% | 16.33% | Beats 13% | 54 / 62 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.62% | 9.30% | 12.20% | 16.33% | Beats 13% | 54 / 62 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 48.69% | 48.69% | 57.00% | 84.55% | 24th pctl | 47 / 62 | ||
| Loans / Assets | 43.75% | 42.93% | 53.05% | 69.62% | 29th pctl | 44 / 62 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||