Pasadena, CA · Charter 24875
NCUA · 7 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 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
0
Asset Quality
40
Profitability
43
Liquidity
90
Efficiency
42
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.
Pasadena, CA · Charter 24875
NCUA · 7 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 | -0.13% | -0.11% | -0.30% | -0.01% | 0.24% | +38 bps | |
| Return on Equity | -1.86% | -1.59% | -4.32% | -0.18% | 3.48% | +534 bps | |
| Net Interest Margin | 2.99% | 3.04% | 3.10% | 3.20% | 3.25% | +25 bps | |
| Efficiency Ratio | 92.39% | 91.74% | 96.54% | 91.16% | 85.59% | -680 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.28% | -2.82% | -1.20% | -1.54% | -0.41% | +87 bps | |
| Loan Growth (YoY) | -1.54% | -1.59% | -1.13% | -0.58% | -0.63% | +91 bps | |
| Share Growth (YoY) | 4.67% | 5.39% | 4.70% | 1.85% | 1.36% | -330 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.48% | 0.53% | 0.64% | 0.48% | 0.66% | +18 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 | 7.15% | 7.15% | 6.92% | 6.90% | 7.01% | -14 bps | |
| Net Worth / Assets | 7.15% | 7.15% | 6.92% | 6.90% | 7.01% | -14 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 55.95% | 56.04% | 56.32% | 54.86% | 54.85% | -110 bps | |
| Liquid Assets / Assets | 0.00% | 99.47% | 0.00% | 0.00% | 99.56% | +9,956 bps | |
Pasadena, CA · Charter 24875 · Peer group: credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=62)
NCUA · 7 branches
Q2 2026
Return on Assets
0.24%
Rank 39 of 62
Net Interest Margin
3.25%
Rank 37 of 62
Efficiency Ratio
85.59%
Rank 37 of 62
Equity / Assets
7.01%
Rank 62 of 62
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.24% | 0.01% | 0.47% | 0.92% | Beats 37% | 39 / 62 | |
| Return on Equity | 3.48% | 0.18% | 3.35% | 5.66% | Beats 52% | 30 / 62 | |
| Net Interest Margin | 3.25% | 2.88% | 3.31% | 3.93% | Beats 40% | 37 / 62 | |
| Efficiency Ratio | 85.59% | 71.17% | 84.14% | 92.47% | Beats 42% | 37 / 62 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.66% | 0.22% | 0.52% | 0.99% | Beats 40% | 38 / 62 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 7.01% | 9.30% | 12.20% | 16.33% | Beats 0% | 62 / 62 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 7.01% | 9.30% | 12.20% | 16.33% | Beats 0% | 62 / 62 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 54.85% | 48.69% | 57.00% | 84.55% | 37th pctl | 39 / 62 | |
| Loans / Assets | 53.28% | 42.93% | 53.05% | 69.62% | 53rd pctl | 29 / 62 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||