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U.S.B. Employees

Wilmington, CA · Charter 5960

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area3

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 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.

Peer standing

Capital

82

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

70

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

97

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

U.S.B. Employees

Wilmington, CA · Charter 5960

NCUA · 1 branch

Q2 2026

$3.2MAssets
$240KLoans
$2.6MShares
$649KNet 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 1.53%, up 188 bps year over year; NIM at 3.05%.
  • Asset quality: problem loans at 0.00% of loans (-636 bps YoY).
  • Capital: net worth / assets of 20.23%, up 144 bps from a year ago.
  • Funding: loans stand at 9.38% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.53%+188 bps YoY

Net Interest Margin (YTD, annualized)

3.05%+127 bps YoY

Efficiency Ratio (YTD, annualized)

49.86%-8,055 bps YoY

Net Worth / Assets

20.23%+144 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.35%0.12%1.21%1.28%1.53%+188 bps
Return on Equity-1.88%0.65%6.18%6.45%7.56%+945 bps
Net Interest Margin1.78%2.47%2.72%2.82%3.05%+127 bps
Efficiency Ratio130.41%75.30%50.57%54.79%49.86%-8,055 bps
Growth
Asset Growth (YoY)67.72%66.57%68.30%66.32%0.47%-6,725 bps
Loan Growth (YoY)26.29%2.27%-10.81%-7.43%-12.78%-3,907 bps
Share Growth (YoY)100.08%96.72%98.74%93.38%-1.06%-10,114 bps
Asset Quality
Delinquent Loans / Loans6.36%0.00%0.00%0.00%0.00%-636 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans5.83%6.75%7.79%6.11%6.68%+85 bps
Capital
Risk-Based Capital18.79%19.02%19.54%19.80%20.23%+144 bps
Net Worth / Assets18.79%19.02%19.54%19.80%20.23%+144 bps
Liquidity & Funding
Loans / Shares10.64%9.20%8.02%10.23%9.38%-126 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

U.S.B. Employees

Wilmington, CA · Charter 5960 · Peer group: credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=62)

NCUA · 1 branch

Q2 2026

$3.2MAssets
$240KLoans
$2.6MShares
$649KNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 6 of 62).
  • Widest gap: net interest margin trails 66% of credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 41 of 62).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

1.56%

Rank 4 of 62

Net Interest Margin

3.05%

Rank 41 of 62

Efficiency Ratio

48.98%

Rank 3 of 62

Equity / Assets

20.22%

Rank 11 of 62

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.56%0.01%0.47%0.92%Beats 94%4 / 62
Return on Equity7.70%0.18%3.35%5.66%Beats 82%11 / 62
Net Interest Margin3.05%2.88%3.31%3.93%Beats 34%41 / 62
Efficiency Ratio48.98%71.17%84.14%92.47%Beats 97%3 / 62
Asset Quality
Nonperforming Loans / Loans0.00%0.22%0.52%0.99%Beats 100%6 / 62
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio20.22%9.30%12.20%16.33%Beats 82%11 / 62
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets20.22%9.30%12.20%16.33%Beats 82%11 / 62
Liquidity & Funding
Loans / Deposits9.36%48.69%57.00%84.55%2nd pctl61 / 62
Loans / Assets7.48%42.93%53.05%69.62%2nd pctl61 / 62
Brokered Deposits / Depositsn/aNot reported for this institution