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VA Desert Pacific

Long Beach, CA · Charter 5530

NCUA · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets3

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 under $1B in assets (n=1,681 to 1,683). 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

89

Q2 2024Q2 2026peer median (50)

Asset Quality

88

Q2 2024Q2 2026peer median (50)

Profitability

52

Q2 2024Q2 2026peer median (50)

Liquidity

54

Q2 2024Q2 2026peer median

Efficiency

35

Q2 2024Q2 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

VA Desert Pacific

Long Beach, CA · Charter 5530

NCUA · 3 branches

Q2 2026

$98.8MAssets
$62.4MLoans
$78.1MShares
$20.8MNet 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 0.69%, down 76 bps year over year; NIM at 4.44%.
  • Asset quality: problem loans at 0.07% of loans (+5 bps YoY).
  • Capital: net worth / assets of 21.05%, down 50 bps from a year ago.
  • Funding: loans stand at 79.81% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.69%-76 bps YoY

Net Interest Margin (YTD, annualized)

4.44%-37 bps YoY

Efficiency Ratio (YTD, annualized)

83.11%+862 bps YoY

Net Worth / Assets

21.05%-50 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.44%1.39%1.34%0.82%0.69%-76 bps
Return on Equity6.69%6.29%6.13%3.77%3.26%-343 bps
Net Interest Margin4.80%4.95%4.83%4.62%4.44%-37 bps
Efficiency Ratio74.49%74.42%74.26%82.00%83.11%+862 bps
Growth
Asset Growth (YoY)6.91%4.35%8.30%6.10%2.93%-399 bps
Loan Growth (YoY)6.22%11.01%4.34%5.31%7.99%+177 bps
Share Growth (YoY)4.79%2.68%6.40%5.64%3.41%-138 bps
Asset Quality
Delinquent Loans / Loans0.02%0.30%0.36%0.35%0.07%+5 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital21.55%22.15%21.82%21.64%21.05%-50 bps
Net Worth / Assets21.55%22.15%21.82%21.64%21.05%-50 bps
Liquidity & Funding
Loans / Shares76.42%81.86%75.79%75.79%79.81%+338 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

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

VA Desert Pacific

Long Beach, CA · Charter 5530 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 3 branches

Q2 2026

$98.8MAssets
$62.4MLoans
$78.1MShares
$20.8MNet Worth

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 89% of credit unions under $1B in assets (rank 183 of 1683).
  • Widest gap: return on equity trails 70% of credit unions under $1B in assets (rank 1180 of 1681).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

0.69%

Rank 905 of 1,683

Net Interest Margin

4.44%

Rank 360 of 1,683

Efficiency Ratio

83.09%

Rank 1,095 of 1,682

Equity / Assets

21.05%

Rank 183 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.69%0.35%0.74%1.18%Beats 46%905 / 1,683
Return on Equity3.26%2.67%5.89%8.74%Beats 30%1,180 / 1,681
Net Interest Margin4.44%3.31%3.82%4.32%Beats 79%360 / 1,683
Efficiency Ratio83.09%68.91%78.20%86.93%Beats 35%1,095 / 1,682
Asset Quality
Nonperforming Loans / Loans0.07%0.26%0.65%1.29%Beats 88%199 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio21.05%10.44%12.89%16.53%Beats 89%183 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets21.05%10.44%12.89%16.53%Beats 89%183 / 1,683
Liquidity & Funding
Loans / Deposits79.81%52.61%69.38%83.50%69th pctl521 / 1,683
Loans / Assets63.10%44.71%59.18%70.72%59th pctl698 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution