Monrovia, CA · Charter 594
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 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
40
Asset Quality
71
Profitability
67
Liquidity
66
Efficiency
47
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.
Monrovia, CA · Charter 594
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 | 0.32% | 0.27% | 0.35% | 0.72% | 0.99% | 0.87% | 1.01% | 0.59% | -13 bps | |
| Return on Equity | 3.09% | 2.53% | 3.58% | 6.93% | 9.13% | 8.20% | 9.27% | 5.30% | -164 bps | |
| Net Interest Margin | 3.22% | 3.35% | 3.07% | 3.29% | 3.45% | 3.42% | 3.77% | 3.83% | +54 bps | |
| Efficiency Ratio | 88.18% | 89.52% | 74.04% | 72.39% | 70.92% | 72.50% | 79.71% | 84.28% | +1,189 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 34.41% | 29.78% | -9.17% | -0.75% | 1.47% | 8.09% | 0.01% | 0.81% | +156 bps | |
| Loan Growth (YoY) | 41.94% | 38.60% | -6.99% | -4.83% | -5.77% | -0.23% | 9.52% | 11.47% | +1,630 bps | |
| Share Growth (YoY) | 29.70% | 27.26% | -10.30% | -1.56% | 0.66% | 5.25% | -3.43% | -2.06% | -51 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.24% | 1.29% | 0.54% | 0.41% | 0.38% | 0.70% | 0.51% | 0.28% | -13 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 | 10.21% | 10.61% | 9.87% | 10.39% | 10.79% | 10.67% | 10.88% | 11.10% | +71 bps | |
| Net Worth / Assets | 10.21% | 10.61% | 9.87% | 10.39% | 10.79% | 10.67% | 10.88% | 11.10% | +71 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.26% | 65.20% | 57.93% | 60.83% | 60.15% | 61.81% | 65.70% | 69.24% | +841 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Monrovia, CA · Charter 594 · Peer group: credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=62)
NCUA · 5 branches
Q2 2026
Return on Assets
0.59%
Rank 23 of 62
Net Interest Margin
3.83%
Rank 18 of 62
Efficiency Ratio
84.29%
Rank 34 of 62
Equity / Assets
11.10%
Rank 37 of 62
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.59% | 0.01% | 0.47% | 0.92% | Beats 63% | 23 / 62 | ||
| Return on Equity | 5.29% | 0.18% | 3.35% | 5.66% | Beats 66% | 21 / 62 | ||
| Net Interest Margin | 3.83% | 2.88% | 3.31% | 3.93% | Beats 71% | 18 / 62 | ||
| Efficiency Ratio | 84.29% | 71.17% | 84.14% | 92.47% | Beats 47% | 34 / 62 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.28% | 0.22% | 0.52% | 0.99% | Beats 71% | 19 / 62 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.10% | 9.30% | 12.20% | 16.33% | Beats 40% | 37 / 62 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.10% | 9.30% | 12.20% | 16.33% | Beats 40% | 37 / 62 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 69.24% | 48.69% | 57.00% | 84.55% | 60th pctl | 25 / 62 | ||
| Loans / Assets | 59.62% | 42.93% | 53.05% | 69.62% | 60th pctl | 25 / 62 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||