Gardena, CA · Charter 24292
NCUA · 28 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
11
Asset Quality
8
Profitability
13
Liquidity
0
Efficiency
5
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.
Gardena, CA · Charter 24292
NCUA · 28 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 | 0.32% | 0.12% | 0.01% | 0.15% | 0.20% | 0.18% | 0.22% | 0.21% | +5 bps | |
| Return on Equity | 3.54% | 1.21% | 0.12% | 1.67% | 2.21% | 1.98% | 2.52% | 2.28% | +61 bps | |
| Net Interest Margin | 2.67% | 2.91% | 2.70% | 2.78% | 2.84% | 2.86% | 2.92% | 2.99% | +21 bps | |
| Efficiency Ratio | 81.48% | 81.92% | 89.69% | 85.77% | 83.33% | 83.86% | 87.55% | 86.74% | +97 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.93% | -6.86% | -12.56% | -3.82% | -3.96% | 6.37% | 4.25% | 3.15% | +697 bps | |
| Loan Growth (YoY) | -0.76% | -2.07% | -2.34% | -2.18% | -2.40% | -1.35% | -2.08% | -1.23% | +95 bps | |
| Share Growth (YoY) | -0.10% | 1.80% | 3.03% | 4.45% | 4.92% | 5.61% | 3.88% | 3.00% | -145 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.46% | 0.54% | 1.52% | 1.63% | 1.59% | 1.60% | 1.56% | 1.62% | -1 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 | 9.01% | 9.57% | 9.21% | 9.23% | 9.23% | 9.02% | 8.91% | 9.01% | -23 bps | |
| Net Worth / Assets | 9.01% | 9.57% | 9.21% | 9.23% | 9.23% | 9.02% | 8.91% | 9.01% | -23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.74% | 61.64% | 58.69% | 58.18% | 57.43% | 57.58% | 55.32% | 55.79% | -239 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 98.77% | 99.67% | 0.00% | 0.00% | 0.00% | 0.00% | -9,967 bps | |
Gardena, CA · Charter 24292 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 28 branches
Q2 2026
Return on Assets
0.21%
Rank 406 of 435
Net Interest Margin
2.99%
Rank 335 of 435
Efficiency Ratio
86.74%
Rank 416 of 435
Equity / Assets
9.01%
Rank 389 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.21% | 0.55% | 0.81% | 1.14% | Beats 7% | 406 / 435 | ||
| Return on Equity | 2.28% | 5.12% | 7.41% | 9.70% | Beats 8% | 401 / 435 | ||
| Net Interest Margin | 2.99% | 3.01% | 3.39% | 3.75% | Beats 23% | 335 / 435 | ||
| Efficiency Ratio | 86.74% | 65.25% | 71.39% | 77.86% | Beats 5% | 416 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.62% | 0.45% | 0.69% | 1.05% | Beats 8% | 401 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.01% | 9.81% | 10.84% | 12.63% | Beats 11% | 389 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.01% | 9.81% | 10.84% | 12.63% | Beats 11% | 389 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 55.79% | 78.33% | 88.38% | 95.61% | 5th pctl | 415 / 435 | ||
| Loans / Assets | 50.32% | 67.69% | 74.58% | 80.80% | 6th pctl | 411 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||