West Covina, CA · Cert 30722 · Universal Financial Inc.
State savings bank · OCC · 5 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.
Banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=27 to 28). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
61
Asset Quality
56
Profitability
18
Liquidity
93
Efficiency
29
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.
West Covina, CA · Cert 30722 · Universal Financial Inc.
State savings bank · OCC · 5 branches
Q2 2026
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.0% share · #77 of 107 inst. · $0.3B of $667.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
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 | 0.25% | 0.33% | 0.39% | 0.38% | 0.36% | +10 bps | |
| Return on Equity | 1.40% | 1.83% | 2.12% | 2.11% | 2.01% | +61 bps | |
| Net Interest Margin | 2.73% | 2.79% | 2.82% | 2.75% | 2.74% | +1 bps | |
| Efficiency Ratio | 96.08% | 93.95% | 90.25% | 82.51% | 83.38% | -1,269 bps | |
| Non-Interest Burden | 2.61% | 2.61% | 2.52% | 2.23% | 2.25% | -36 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.06% | -0.09% | 4.16% | 1.93% | 7.50% | +1,355 bps | |
| Loan Growth (YoY) | 1.48% | 1.97% | -2.60% | -4.73% | -6.72% | -820 bps | |
| Deposit Growth (YoY) | -0.77% | 8.36% | 13.87% | 10.65% | 3.38% | +415 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 3.60% | 3.56% | 3.57% | 3.69% | 3.74% | +14 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | -0.02% | -0.02% | -0.02% | 0 bps | |
| Allowance / Loans | 1.10% | 1.00% | 1.02% | 1.08% | 1.08% | -2 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.3x | 0.3x | 0.3x | 0.3x | 0.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 18.30% | 18.39% | 18.21% | 18.21% | 17.80% | -50 bps | |
| Total Risk-Based Capital | 18.30% | 18.39% | 18.21% | 18.21% | 17.80% | -50 bps | |
| Equity / Assets | 18.24% | 18.44% | 18.09% | 17.90% | 17.21% | -103 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 105.39% | 104.95% | 96.61% | 92.15% | 95.08% | -1,030 bps | |
| Liquid Assets / Assets | 4.93% | 2.10% | 4.19% | 2.50% | 2.95% | -198 bps | |
| CRE / Total Capital | n/a | 397% | 377% | 362% | n/a | n/a | |
West Covina, CA · Cert 30722 · Peer group: banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=27-28) · Universal Financial Inc.
State savings bank · OCC · 5 branches
Q2 2026
Return on Assets
0.35%
Rank 22 of 28
Net Interest Margin
2.74%
Rank 24 of 28
Efficiency Ratio
83.38%
Rank 21 of 28
Equity / Assets
17.21%
Rank 8 of 28
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.35% | 0.39% | 0.81% | 1.45% | Beats 21% | 22 / 28 | |
| Return on Equity | 2.01% | 2.58% | 5.09% | 9.10% | Beats 18% | 23 / 28 | |
| Net Interest Margin | 2.74% | 3.22% | 3.68% | 4.12% | Beats 14% | 24 / 28 | |
| Efficiency Ratio | 83.38% | 56.77% | 70.25% | 85.37% | Beats 29% | 21 / 28 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 3.74% | n/a | 0.26% | 1.61% | Beats 11% | 25 / 27 | |
| Net Charge-Offs / Loans | 0.00% | n/a | n/a | 0.02% | Beats 100% | 17 / 27 | |
| Capital | |||||||
| Tier 1 Capital Ratio | 17.80% | 13.70% | 16.46% | 19.75% | Beats 57% | 12 / 28 | |
| Total Risk-Based Capital Ratio | 17.80% | 14.96% | 17.60% | 20.63% | Beats 54% | 13 / 28 | |
| Equity / Assets | 17.21% | 11.97% | 15.41% | 17.42% | Beats 71% | 8 / 28 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 95.08% | 84.00% | 97.95% | 102.47% | 46th pctl | 15 / 28 | |
| Loans / Assets | 67.42% | 69.18% | 76.59% | 81.19% | 18th pctl | 23 / 28 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||