California

Glendale, CA · Charter 24980

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2

Part 2Peer Comparison, credit unions $1B-$10B 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 $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=19). 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

Asset Quality

Profitability

Liquidity

Efficiency

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.

California

Glendale, CA · Charter 24980

Q2 2026

$5.4BAssets

$3.6BLoans

$4.9BShares

$510.6MNet 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 0.53%; NIM at 2.53%.
Asset quality: problem loans at 0.44% of loans.

Capital: net worth / assets of 9.41%.
Funding: loans stand at 72.98% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.53%

Net Interest Margin (YTD, annualized)

2.53%

Efficiency Ratio (YTD, annualized)

81.32%

Net Worth / Assets

9.41%

Year to date, annualized, through each quarter.

Metric	Q4 2025	Q1 2026	Q2 2026	YoY Δ	Trend
Earnings
Return on Assets	0.59%	0.41%	0.53%	n/a
Return on Equity	6.36%	4.41%	5.58%	n/a
Net Interest Margin	2.37%	2.52%	2.53%	n/a
Efficiency Ratio	78.93%	84.93%	81.32%	n/a
Growth
Asset Growth (YoY)	n/a	n/a	n/a	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	n/a
Asset Quality
Delinquent Loans / Loans	0.46%	0.39%	0.44%	n/a
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.00%	0.00%	0.00%	n/a
Capital
Risk-Based Capital	9.23%	9.27%	9.41%	n/a
Net Worth / Assets	9.23%	9.27%	9.41%	n/a
Liquidity & Funding
Loans / Shares	71.96%	71.47%	72.98%	n/a
Liquid Assets / Assets	0.00%	0.00%	0.00%	n/a

California

Glendale, CA · Charter 24980 · Peer group: credit unions $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=19)

Q2 2026

$5.4BAssets

$3.6BLoans

$4.9BShares

$510.6MNet Worth

Executive Summary

Strongest standing: nonperforming loans / loans outperforms 79% of credit unions $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 5 of 19).
Widest gap: net interest margin trails 84% of credit unions $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 16 of 19).
Overall: at or above the peer median on 1 of 7 directional measures.

Return on Assets

0.53%

Rank 11 of 19

Net Interest Margin

2.53%

Rank 16 of 19

Efficiency Ratio

81.32%

Rank 13 of 19

Equity / Assets

9.41%

Rank 15 of 19

Metric	Your Credit Union	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	0.53%	0.27%	0.60%	1.02%	Beats 42%	11 / 19
Return on Equity	5.58%	2.40%	5.67%	8.40%	Beats 42%	11 / 19
Net Interest Margin	2.53%	2.65%	2.97%	3.42%	Beats 16%	16 / 19
Efficiency Ratio	81.32%	64.19%	77.39%	85.63%	Beats 37%	13 / 19
Asset Quality
Nonperforming Loans / Loans	0.44%	0.44%	0.61%	0.87%	Beats 79%	5 / 19
Net Charge-Offs / Loans	n/a	Not reported for this institution
Capital
Tier 1 Capital Ratio	9.41%	9.41%	10.19%	11.40%	Beats 21%	15 / 19
Total Risk-Based Capital Ratio	n/a	Not reported for this institution
Equity / Assets	9.41%	9.41%	10.19%	11.40%	Beats 21%	15 / 19
Liquidity & Funding
Loans / Deposits	72.98%	69.76%	83.28%	94.64%	26th pctl	14 / 19
Loans / Assets	65.44%	53.33%	68.68%	78.95%	32nd pctl	13 / 19
Brokered Deposits / Deposits	n/a	Not reported for this institution