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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.69% | 0.35% | 0.74% | 1.18% | Beats 46% | 905 / 1,683 | |
| Return on Equity | 3.26% | 2.67% | 5.89% | 8.74% | Beats 30% | 1,180 / 1,681 | |
| Net Interest Margin | 4.44% | 3.31% | 3.82% | 4.32% | Beats 79% | 360 / 1,683 | |
| Efficiency Ratio | 83.09% | 68.91% | 78.20% | 86.93% | Beats 35% | 1,095 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.07% | 0.26% | 0.65% | 1.29% | Beats 88% | 199 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 21.05% | 10.44% | 12.89% | 16.53% | Beats 89% | 183 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 21.05% | 10.44% | 12.89% | 16.53% | Beats 89% | 183 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 79.81% | 52.61% | 69.38% | 83.50% | 69th pctl | 521 / 1,683 | |
| Loans / Assets | 63.10% | 44.71% | 59.18% | 70.72% | 59th pctl | 698 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |