Santa Ana, CA · Charter 24212
NCUA · 75 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 any (n=25). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
20
Asset Quality
56
Profitability
39
Liquidity
0
Efficiency
68
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.
Santa Ana, CA · Charter 24212
NCUA · 75 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 | 0.58% | 0.71% | 0.68% | 0.78% | 0.87% | +29 bps | |
| Return on Equity | 6.09% | 7.37% | 7.16% | 8.33% | 9.20% | +311 bps | |
| Net Interest Margin | 2.63% | 2.70% | 2.69% | 2.82% | 2.84% | +21 bps | |
| Efficiency Ratio | 58.85% | 57.54% | 57.10% | 56.33% | 55.22% | -363 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.33% | 10.69% | 10.80% | 9.93% | 9.22% | -110 bps | |
| Loan Growth (YoY) | 7.11% | 8.47% | 9.14% | 9.64% | 10.08% | +297 bps | |
| Share Growth (YoY) | 12.59% | 13.28% | 13.08% | 11.94% | 10.97% | -163 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.78% | 0.88% | 0.97% | 0.89% | 0.91% | +13 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 | 9.52% | 9.68% | 9.54% | 9.39% | 9.51% | -2 bps | |
| Net Worth / Assets | 9.52% | 9.68% | 9.54% | 9.39% | 9.51% | -2 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 72.58% | 73.41% | 72.53% | 70.70% | 72.00% | -58 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Santa Ana, CA · Charter 24212 · Peer group: credit unions any (n=25)
NCUA · 75 branches
Q2 2026
Return on Assets
0.87%
Rank 13 of 25
Net Interest Margin
2.84%
Rank 20 of 25
Efficiency Ratio
55.22%
Rank 9 of 25
Equity / Assets
9.51%
Rank 20 of 25
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.87% | 0.54% | 0.87% | 1.36% | Beats 48% | 13 / 25 | |
| Return on Equity | 9.20% | 5.49% | 9.20% | 10.99% | Beats 48% | 13 / 25 | |
| Net Interest Margin | 2.84% | 2.86% | 3.13% | 3.50% | Beats 20% | 20 / 25 | |
| Efficiency Ratio | 55.22% | 54.62% | 61.07% | 70.28% | Beats 68% | 9 / 25 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.91% | 0.64% | 0.92% | 1.30% | Beats 56% | 12 / 25 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.51% | 9.55% | 10.72% | 11.84% | Beats 20% | 20 / 25 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.51% | 9.55% | 10.72% | 11.84% | Beats 20% | 20 / 25 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 72.00% | 81.23% | 88.75% | 93.33% | 8th pctl | 23 / 25 | |
| Loans / Assets | 61.88% | 68.82% | 78.26% | 79.51% | 12th pctl | 22 / 25 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||