Montclair, CA · Charter 5816
NCUA · 5 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 (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.
Capital
40
Asset Quality
70
Profitability
38
Liquidity
73
Efficiency
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.
Montclair, CA · Charter 5816
NCUA · 5 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 | 0.84% | 0.79% | 0.60% | 0.68% | 0.83% | 0.73% | 0.65% | 0.67% | -1 bps | |
| Return on Equity | 6.82% | 6.64% | 5.07% | 5.98% | 7.21% | 6.50% | 5.54% | 5.64% | -34 bps | |
| Net Interest Margin | 2.98% | 2.92% | 2.99% | 2.93% | 3.01% | 2.94% | 3.06% | 3.20% | +27 bps | |
| Efficiency Ratio | 78.33% | 78.79% | 82.44% | 79.97% | 76.05% | 77.67% | 79.44% | 78.34% | -162 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.26% | -0.87% | 3.28% | 11.87% | 12.95% | 12.88% | 8.08% | 1.73% | -1,014 bps | |
| Loan Growth (YoY) | 5.93% | -0.58% | -2.28% | 2.09% | 0.36% | 4.57% | 5.67% | 0.39% | -170 bps | |
| Share Growth (YoY) | -6.35% | -1.80% | 3.08% | 12.91% | 14.98% | 13.74% | 8.20% | 0.99% | -1,192 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.16% | 0.13% | 0.47% | 0.20% | 0.34% | 0.62% | 0.61% | 0.34% | +14 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 | 12.32% | 11.93% | 11.76% | 11.31% | 11.52% | 11.30% | 11.65% | 11.87% | +56 bps | |
| Net Worth / Assets | 12.32% | 11.93% | 11.76% | 11.31% | 11.52% | 11.30% | 11.65% | 11.87% | +56 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.66% | 65.10% | 62.92% | 61.42% | 60.81% | 59.85% | 61.45% | 61.06% | -36 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Montclair, CA · Charter 5816 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
Return on Assets
0.67%
Rank 924 of 1,683
Net Interest Margin
3.20%
Rank 1,335 of 1,683
Efficiency Ratio
78.34%
Rank 850 of 1,682
Equity / Assets
11.87%
Rank 1,014 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.67% | 0.35% | 0.74% | 1.18% | Beats 45% | 924 / 1,683 | ||
| Return on Equity | 5.64% | 2.67% | 5.89% | 8.74% | Beats 47% | 883 / 1,681 | ||
| Net Interest Margin | 3.20% | 3.31% | 3.82% | 4.32% | Beats 21% | 1,335 / 1,683 | ||
| Efficiency Ratio | 78.34% | 68.91% | 78.20% | 86.93% | Beats 50% | 850 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.34% | 0.26% | 0.65% | 1.29% | Beats 70% | 511 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.87% | 10.44% | 12.89% | 16.53% | Beats 40% | 1,014 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.87% | 10.44% | 12.89% | 16.53% | Beats 40% | 1,014 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 61.06% | 52.61% | 69.38% | 83.50% | 36th pctl | 1,072 / 1,683 | ||
| Loans / Assets | 53.58% | 44.71% | 59.18% | 70.72% | 40th pctl | 1,011 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||