Torrance, CA · Charter 3526
NCUA · 2 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
48
Asset Quality
53
Profitability
52
Liquidity
90
Efficiency
55
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.
Torrance, CA · Charter 3526
NCUA · 2 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.25% | 0.23% | 0.53% | 0.50% | 0.55% | 0.52% | 0.48% | 0.47% | -2 bps | |
| Return on Equity | 2.04% | 1.89% | 4.44% | 4.20% | 4.61% | 4.34% | 3.98% | 3.98% | -22 bps | |
| Net Interest Margin | 3.07% | 3.09% | 3.16% | 3.18% | 3.23% | 3.30% | 3.47% | 3.44% | +27 bps | |
| Efficiency Ratio | 86.81% | 86.13% | 81.17% | 84.76% | 81.69% | 81.38% | 78.20% | 80.75% | -401 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.47% | 1.85% | 2.82% | 5.28% | 6.95% | 6.18% | 3.42% | 3.95% | -132 bps | |
| Loan Growth (YoY) | -3.04% | 0.10% | 1.37% | -1.64% | -1.62% | -1.88% | 0.56% | 7.04% | +868 bps | |
| Share Growth (YoY) | -0.49% | 2.29% | 3.42% | 5.98% | 6.63% | 6.38% | 3.44% | 3.73% | -225 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.32% | 0.30% | 0.39% | 0.35% | 0.34% | 0.38% | 0.45% | 0.48% | +13 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.25% | 12.22% | 11.86% | 11.85% | 11.92% | 12.03% | 11.97% | 11.91% | +5 bps | |
| Net Worth / Assets | 12.25% | 12.22% | 11.86% | 11.85% | 11.92% | 12.03% | 11.97% | 11.91% | +5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.08% | 58.24% | 55.29% | 53.21% | 53.59% | 53.72% | 53.75% | 54.90% | +170 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Torrance, CA · Charter 3526 · Peer group: credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=62)
NCUA · 2 branches
Q2 2026
Return on Assets
0.47%
Rank 31 of 62
Net Interest Margin
3.44%
Rank 30 of 62
Efficiency Ratio
80.75%
Rank 29 of 62
Equity / Assets
11.91%
Rank 32 of 62
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.47% | 0.01% | 0.47% | 0.92% | Beats 50% | 31 / 62 | ||
| Return on Equity | 3.98% | 0.18% | 3.35% | 5.66% | Beats 55% | 28 / 62 | ||
| Net Interest Margin | 3.44% | 2.88% | 3.31% | 3.93% | Beats 52% | 30 / 62 | ||
| Efficiency Ratio | 80.75% | 71.17% | 84.14% | 92.47% | Beats 55% | 29 / 62 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.48% | 0.22% | 0.52% | 0.99% | Beats 53% | 30 / 62 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.91% | 9.30% | 12.20% | 16.33% | Beats 48% | 32 / 62 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.91% | 9.30% | 12.20% | 16.33% | Beats 48% | 32 / 62 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 54.90% | 48.69% | 57.00% | 84.55% | 39th pctl | 38 / 62 | ||
| Loans / Assets | 47.82% | 42.93% | 53.05% | 69.62% | 39th pctl | 38 / 62 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||