Valencia, CA · Charter 4393
NCUA · 1 branch
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
98
Asset Quality
100
Profitability
89
Liquidity
9
Efficiency
94
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.
Valencia, CA · Charter 4393
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.70% | 1.72% | 1.81% | 1.30% | 2.08% | +38 bps | |
| Return on Equity | 5.73% | 5.59% | 5.68% | 4.07% | 6.19% | +47 bps | |
| Net Interest Margin | 4.67% | 4.81% | 4.94% | 4.53% | 4.73% | +6 bps | |
| Efficiency Ratio | 58.45% | 58.11% | 57.09% | 63.33% | 57.54% | -91 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.90% | -8.15% | -1.03% | -2.22% | -6.99% | -9 bps | |
| Loan Growth (YoY) | -15.39% | -23.23% | -28.31% | -29.16% | -31.24% | -1,585 bps | |
| Share Growth (YoY) | -11.78% | -13.00% | -4.04% | -5.88% | -12.18% | -40 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.69% | 0.04% | 0.06% | 0.00% | 0.00% | -169 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.10% | 3.80% | 4.48% | 5.11% | 6.14% | +305 bps | |
| Capital | |||||||
| Risk-Based Capital | 29.70% | 30.76% | 31.85% | 31.87% | 33.64% | +395 bps | |
| Net Worth / Assets | 29.70% | 30.76% | 31.85% | 31.87% | 33.64% | +395 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 47.92% | 43.17% | 40.98% | 38.94% | 37.52% | -1,040 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Valencia, CA · Charter 4393 · Peer group: credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=62)
NCUA · 1 branch
Q2 2026
Return on Assets
2.11%
Rank 2 of 62
Net Interest Margin
4.74%
Rank 4 of 62
Efficiency Ratio
58.06%
Rank 5 of 62
Equity / Assets
33.65%
Rank 1 of 62
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.11% | 0.01% | 0.47% | 0.92% | Beats 97% | 2 / 62 | |
| Return on Equity | 6.26% | 0.18% | 3.35% | 5.66% | Beats 77% | 14 / 62 | |
| Net Interest Margin | 4.74% | 2.88% | 3.31% | 3.93% | Beats 94% | 4 / 62 | |
| Efficiency Ratio | 58.06% | 71.17% | 84.14% | 92.47% | Beats 94% | 5 / 62 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.22% | 0.52% | 0.99% | Beats 100% | 6 / 62 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 33.65% | 9.30% | 12.20% | 16.33% | Beats 98% | 1 / 62 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 33.65% | 9.30% | 12.20% | 16.33% | Beats 98% | 1 / 62 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 37.51% | 48.69% | 57.00% | 84.55% | 16th pctl | 52 / 62 | |
| Loans / Assets | 24.83% | 42.93% | 53.05% | 69.62% | 5th pctl | 59 / 62 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||