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California Adventist

Glendale, CA · Charter 24238

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area3

Basis

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.

Peer group

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.

Peer standing

Capital

81

Q2 2024Q2 2026peer median (50)

Asset Quality

85

Q2 2024Q2 2026peer median (50)

Profitability

54

Q2 2024Q2 2026peer median (50)

Liquidity

47

Q2 2024Q2 2026peer median

Efficiency

74

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

California Adventist

Glendale, CA · Charter 24238

NCUA · 1 branch

Q2 2026

$44.7MAssets
$27.0MLoans
$35.5MShares
$9.0MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.92%, up 12 bps year over year; NIM at 2.99%.
  • Asset quality: problem loans at 0.04% of loans (+3 bps YoY).
  • Capital: net worth / assets of 20.11%, up 198 bps from a year ago.
  • Funding: loans stand at 75.97% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.92%+12 bps YoY

Net Interest Margin (YTD, annualized)

2.99%+17 bps YoY

Efficiency Ratio (YTD, annualized)

72.96%-77 bps YoY

Net Worth / Assets

20.11%+198 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.80%0.84%0.73%0.95%0.92%+12 bps
Return on Equity4.40%4.50%3.87%4.92%4.57%+17 bps
Net Interest Margin2.82%2.92%2.95%2.92%2.99%+17 bps
Efficiency Ratio73.72%73.22%76.91%72.74%72.96%-77 bps
Growth
Asset Growth (YoY)9.02%8.77%4.75%-0.22%-6.64%-1,565 bps
Loan Growth (YoY)-4.73%-4.78%-5.13%-2.67%-7.37%-264 bps
Share Growth (YoY)9.17%8.96%4.53%-1.35%-8.70%-1,787 bps
Asset Quality
Delinquent Loans / Loans0.01%0.04%0.01%0.00%0.04%+3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital18.13%18.64%18.87%19.31%20.11%+198 bps
Net Worth / Assets18.13%18.64%18.87%19.31%20.11%+198 bps
Liquidity & Funding
Loans / Shares74.88%75.40%75.25%76.58%75.97%+109 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

California Adventist

Glendale, CA · Charter 24238 · Peer group: credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=62)

NCUA · 1 branch

Q2 2026

$44.7MAssets
$27.0MLoans
$35.5MShares
$9.0MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 85% of credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 10 of 62).
  • Widest gap: net interest margin trails 73% of credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 45 of 62).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

0.92%

Rank 16 of 62

Net Interest Margin

2.99%

Rank 45 of 62

Efficiency Ratio

73.02%

Rank 17 of 62

Equity / Assets

20.11%

Rank 12 of 62

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.92%0.01%0.47%0.92%Beats 74%16 / 62
Return on Equity4.58%0.18%3.35%5.66%Beats 60%25 / 62
Net Interest Margin2.99%2.88%3.31%3.93%Beats 27%45 / 62
Efficiency Ratio73.02%71.17%84.14%92.47%Beats 74%17 / 62
Asset Quality
Nonperforming Loans / Loans0.04%0.22%0.52%0.99%Beats 85%10 / 62
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio20.11%9.30%12.20%16.33%Beats 81%12 / 62
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets20.11%9.30%12.20%16.33%Beats 81%12 / 62
Liquidity & Funding
Loans / Deposits75.97%48.69%57.00%84.55%65th pctl22 / 62
Loans / Assets60.28%42.93%53.05%69.62%61st pctl24 / 62
Brokered Deposits / Depositsn/aNot reported for this institution