Huntington Beac, CA · Charter 566
NCUA · 36 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
68
Asset Quality
57
Profitability
55
Liquidity
58
Efficiency
46
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.
Huntington Beac, CA · Charter 566
NCUA · 36 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 | 0.28% | 0.30% | 0.52% | 0.75% | 0.77% | 0.79% | 0.76% | 0.82% | +7 bps | |
| Return on Equity | 2.56% | 2.62% | 4.67% | 6.54% | 6.72% | 6.77% | 6.43% | 6.81% | +27 bps | |
| Net Interest Margin | 3.08% | 3.33% | 3.42% | 3.60% | 3.59% | 3.63% | 3.73% | 3.68% | +8 bps | |
| Efficiency Ratio | 80.61% | 81.03% | 75.55% | 72.25% | 71.57% | 71.33% | 71.93% | 72.72% | +47 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.05% | -1.03% | 16.93% | 11.98% | 13.26% | 18.48% | 1.39% | 2.95% | -903 bps | |
| Loan Growth (YoY) | 5.47% | 5.33% | 19.58% | 15.17% | 14.99% | 15.40% | 2.09% | 1.97% | -1,319 bps | |
| Share Growth (YoY) | 8.19% | 8.75% | 27.34% | 19.12% | 21.15% | 20.24% | 1.24% | 2.90% | -1,622 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.52% | 0.58% | 0.53% | 0.55% | 0.54% | 0.56% | 0.45% | 0.62% | +7 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 | 11.03% | 11.61% | 11.20% | 11.53% | 11.52% | 11.73% | 11.87% | 12.03% | +50 bps | |
| Net Worth / Assets | 11.03% | 11.61% | 11.20% | 11.53% | 11.52% | 11.73% | 11.87% | 12.03% | +50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 98.42% | 98.36% | 93.27% | 95.04% | 93.41% | 94.40% | 94.05% | 94.18% | -86 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Huntington Beac, CA · Charter 566 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 36 branches
Q2 2026
Return on Assets
0.82%
Rank 213 of 435
Net Interest Margin
3.68%
Rank 126 of 435
Efficiency Ratio
72.72%
Rank 237 of 435
Equity / Assets
12.03%
Rank 139 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.82% | 0.55% | 0.81% | 1.14% | Beats 51% | 213 / 435 | ||
| Return on Equity | 6.81% | 5.12% | 7.41% | 9.70% | Beats 43% | 250 / 435 | ||
| Net Interest Margin | 3.68% | 3.01% | 3.39% | 3.75% | Beats 71% | 126 / 435 | ||
| Efficiency Ratio | 72.72% | 65.25% | 71.39% | 77.86% | Beats 46% | 237 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.62% | 0.45% | 0.69% | 1.05% | Beats 57% | 189 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.03% | 9.81% | 10.84% | 12.63% | Beats 68% | 139 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.03% | 9.81% | 10.84% | 12.63% | Beats 68% | 139 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 94.18% | 78.33% | 88.38% | 95.61% | 71st pctl | 125 / 435 | ||
| Loans / Assets | 78.96% | 67.69% | 74.58% | 80.80% | 66th pctl | 148 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||