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Rancho Cucamong, CA · Charter 24973

NCUA · 24 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions $1B-$10B in assets3

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 $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.

Peer standing

Capital

60

Q1 2025Q2 2026peer median (50)

Asset Quality

34

Q1 2025Q2 2026peer median (50)

Profitability

67

Q1 2025Q2 2026peer median (50)

Liquidity

0

Q1 2025Q2 2026peer median

Efficiency

54

Q1 2025Q2 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

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Rancho Cucamong, CA · Charter 24973

NCUA · 24 branches

Q2 2026

$2.9BAssets
$1.4BLoans
$2.4BShares
$332.2MNet 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 0.87%, down 56 bps year over year; NIM at 4.13%.
  • Asset quality: problem loans at 0.90% of loans (+23 bps YoY).
  • Capital: net worth / assets of 11.36%, down 38 bps from a year ago.
  • Funding: loans stand at 59.80% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.87%-56 bps YoY

Net Interest Margin (YTD, annualized)

4.13%-47 bps YoY

Efficiency Ratio (YTD, annualized)

70.76%+452 bps YoY

Net Worth / Assets

11.36%-38 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.43%1.40%1.32%1.13%0.87%-56 bps
Return on Equity12.19%11.85%11.53%10.04%7.66%-453 bps
Net Interest Margin4.60%4.52%4.30%4.12%4.13%-47 bps
Efficiency Ratio66.24%66.77%67.00%69.24%70.76%+452 bps
Growth
Asset Growth (YoY)n/an/an/a12.11%13.27%n/a
Loan Growth (YoY)n/an/an/a1.65%1.83%n/a
Share Growth (YoY)n/an/an/a6.99%7.98%n/a
Asset Quality
Delinquent Loans / Loans0.66%0.78%1.00%0.85%0.90%+23 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 Capital11.73%11.79%11.44%11.28%11.36%-38 bps
Net Worth / Assets11.73%11.79%11.44%11.28%11.36%-38 bps
Liquidity & Funding
Loans / Shares63.41%62.62%61.94%59.47%59.80%-361 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

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Rancho Cucamong, CA · Charter 24973 · Peer group: credit unions $1B-$10B in assets (n=435)

NCUA · 24 branches

Q2 2026

$2.9BAssets
$1.4BLoans
$2.4BShares
$332.2MNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 92% of credit unions $1B-$10B in assets (rank 36 of 435).
  • Widest gap: nonperforming loans / loans trails 66% of credit unions $1B-$10B in assets (rank 289 of 435).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

0.87%

Rank 192 of 435

Net Interest Margin

4.13%

Rank 36 of 435

Efficiency Ratio

70.76%

Rank 203 of 435

Equity / Assets

11.36%

Rank 173 of 435

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.87%0.55%0.81%1.14%Beats 56%192 / 435
Return on Equity7.66%5.12%7.41%9.70%Beats 52%207 / 435
Net Interest Margin4.13%3.01%3.39%3.75%Beats 92%36 / 435
Efficiency Ratio70.76%65.25%71.39%77.86%Beats 54%203 / 435
Asset Quality
Nonperforming Loans / Loans0.90%0.45%0.69%1.05%Beats 34%289 / 435
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio11.36%9.81%10.84%12.63%Beats 60%173 / 435
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets11.36%9.81%10.84%12.63%Beats 60%173 / 435
Liquidity & Funding
Loans / Deposits59.80%78.33%88.38%95.61%7th pctl405 / 435
Loans / Assets49.50%67.69%74.58%80.80%5th pctl413 / 435
Brokered Deposits / Depositsn/aNot reported for this institution