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Credit Union of Southern CA, A

Anaheim, CA · Charter 24983

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

63

Q4 2025Q2 2026peer median (50)

Asset Quality

63

Q4 2025Q2 2026peer median (50)

Profitability

74

Q4 2025Q2 2026peer median (50)

Liquidity

41

Q4 2025Q2 2026peer median

Efficiency

79

Q4 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

Credit Union of Southern CA, A

Anaheim, CA · Charter 24983

Q2 2026

$4.0BAssets
$2.1BLoans
$3.1BShares
$452.8MNet 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 1.16%; NIM at 2.97%.
  • Asset quality: problem loans at 0.60% of loans.
  • Capital: net worth / assets of 11.30%.
  • Funding: loans stand at 69.76% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.16%

Net Interest Margin (YTD, annualized)

2.97%

Efficiency Ratio (YTD, annualized)

64.19%

Net Worth / Assets

11.30%

Year to date, annualized, through each quarter.

MetricQ4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.91%1.16%1.16%n/a
Return on Equity8.07%10.32%10.30%n/a
Net Interest Margin2.90%3.02%2.97%n/a
Efficiency Ratio69.70%63.41%64.19%n/a
Growth
Asset Growth (YoY)n/an/an/an/an/a
Loan Growth (YoY)n/an/an/an/an/a
Share Growth (YoY)n/an/an/an/an/a
Asset Quality
Delinquent Loans / Loans0.51%0.48%0.60%n/a
Net Charge-Offs / Loansn/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%n/a
Capital
Risk-Based Capital11.29%11.28%11.30%n/a
Net Worth / Assets11.29%11.28%11.30%n/a
Liquidity & Funding
Loans / Shares70.61%67.90%69.76%n/a
Liquid Assets / Assets0.00%0.00%0.00%n/a

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

Credit Union of Southern CA, A

Anaheim, CA · Charter 24983 · Peer group: credit unions $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=19)

Q2 2026

$4.0BAssets
$2.1BLoans
$3.1BShares
$452.8MNet Worth

Executive Summary

  • Strongest standing: return on assets outperforms 84% of credit unions $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 3 of 19).
  • Widest gap: net interest margin trails 47% of credit unions $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 9 of 19).
  • Overall: at or above the peer median on 7 of 7 directional measures.

Return on Assets

1.16%

Rank 3 of 19

Net Interest Margin

2.98%

Rank 9 of 19

Efficiency Ratio

64.19%

Rank 5 of 19

Equity / Assets

11.30%

Rank 7 of 19

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.16%0.27%0.60%1.02%Beats 84%3 / 19
Return on Equity10.30%2.40%5.67%8.40%Beats 84%3 / 19
Net Interest Margin2.98%2.65%2.97%3.42%Beats 53%9 / 19
Efficiency Ratio64.19%64.19%77.39%85.63%Beats 79%5 / 19
Asset Quality
Nonperforming Loans / Loans0.60%0.44%0.61%0.87%Beats 63%8 / 19
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio11.30%9.41%10.19%11.40%Beats 63%7 / 19
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets11.30%9.41%10.19%11.40%Beats 63%7 / 19
Liquidity & Funding
Loans / Deposits69.76%69.76%83.28%94.64%21st pctl15 / 19
Loans / Assets53.33%53.33%68.68%78.95%21st pctl15 / 19
Brokered Deposits / Depositsn/aNot reported for this institution