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Comunidad Latina

Santa Ana, CA · Charter 24776

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

94

Q2 2024Q2 2026peer median (50)

Asset Quality

26

Q2 2024Q2 2026peer median (50)

Profitability

94

Q2 2024Q2 2026peer median (50)

Liquidity

36

Q2 2024Q2 2026peer median

Efficiency

95

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

Comunidad Latina

Santa Ana, CA · Charter 24776

NCUA · 1 branch

Q2 2026

$11.0MAssets
$6.5MLoans
$8.1MShares
$2.9MNet 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 2.27%, down 115 bps year over year; NIM at 5.85%.
  • Asset quality: problem loans at 0.99% of loans (+45 bps YoY).
  • Capital: net worth / assets of 26.19%, up 87 bps from a year ago.
  • Funding: loans stand at 79.87% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.27%-115 bps YoY

Net Interest Margin (YTD, annualized)

5.85%-27 bps YoY

Efficiency Ratio (YTD, annualized)

57.99%+852 bps YoY

Net Worth / Assets

26.19%+87 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets3.42%3.29%2.94%0.82%2.27%-115 bps
Return on Equity13.53%13.34%11.81%3.27%8.67%-485 bps
Net Interest Margin6.12%5.80%5.76%5.68%5.85%-27 bps
Efficiency Ratio49.47%46.47%50.03%62.46%57.99%+852 bps
Growth
Asset Growth (YoY)13.81%21.46%14.50%14.82%6.87%-694 bps
Loan Growth (YoY)-3.81%-1.03%-4.35%0.48%3.58%+739 bps
Share Growth (YoY)14.08%23.77%14.83%15.68%5.55%-853 bps
Asset Quality
Delinquent Loans / Loans0.54%1.51%0.46%0.04%0.99%+45 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 Capital25.32%24.64%24.90%25.10%26.19%+87 bps
Net Worth / Assets25.32%24.64%24.90%25.10%26.19%+87 bps
Liquidity & Funding
Loans / Shares81.38%76.26%75.86%75.95%79.87%-151 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

Comunidad Latina

Santa Ana, CA · Charter 24776 · Peer group: credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=62)

NCUA · 1 branch

Q2 2026

$11.0MAssets
$6.5MLoans
$8.1MShares
$2.9MNet Worth

Executive Summary

  • Strongest standing: return on assets outperforms 98% of credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 1 of 62).
  • Widest gap: nonperforming loans / loans trails 74% of credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 47 of 62).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

2.28%

Rank 1 of 62

Net Interest Margin

5.84%

Rank 1 of 62

Efficiency Ratio

58.06%

Rank 4 of 62

Equity / Assets

26.19%

Rank 4 of 62

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.28%0.01%0.47%0.92%Beats 98%1 / 62
Return on Equity8.69%0.18%3.35%5.66%Beats 87%8 / 62
Net Interest Margin5.84%2.88%3.31%3.93%Beats 98%1 / 62
Efficiency Ratio58.06%71.17%84.14%92.47%Beats 95%4 / 62
Asset Quality
Nonperforming Loans / Loans0.99%0.22%0.52%0.99%Beats 26%47 / 62
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio26.19%9.30%12.20%16.33%Beats 94%4 / 62
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets26.19%9.30%12.20%16.33%Beats 94%4 / 62
Liquidity & Funding
Loans / Deposits79.87%48.69%57.00%84.55%69th pctl19 / 62
Loans / Assets58.75%42.93%53.05%69.62%58th pctl26 / 62
Brokered Deposits / Depositsn/aNot reported for this institution