Wilmington, CA · Charter 5960
NCUA · 1 branch
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
82
Asset Quality
100
Profitability
70
Liquidity
0
Efficiency
97
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.
Wilmington, CA · Charter 5960
NCUA · 1 branch
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 | -0.27% | -0.26% | -1.80% | -0.35% | 0.12% | 1.21% | 1.28% | 1.53% | +188 bps | |
| Return on Equity | -0.84% | -0.82% | -5.83% | -1.88% | 0.65% | 6.18% | 6.45% | 7.56% | +945 bps | |
| Net Interest Margin | 2.24% | 2.29% | 2.04% | 1.78% | 2.47% | 2.72% | 2.82% | 3.05% | +127 bps | |
| Efficiency Ratio | 111.86% | 111.34% | 344% | 130.41% | 75.30% | 50.57% | 54.79% | 49.86% | -8,055 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.33% | -4.35% | 2.90% | 67.72% | 66.57% | 68.30% | 66.32% | 0.47% | -6,725 bps | |
| Loan Growth (YoY) | -21.88% | -17.10% | 8.13% | 26.29% | 2.27% | -10.81% | -7.43% | -12.78% | -3,907 bps | |
| Share Growth (YoY) | -9.74% | -5.92% | 5.31% | 100.08% | 96.72% | 98.74% | 93.38% | -1.06% | -10,114 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.54% | 7.59% | 6.17% | 6.36% | 0.00% | 0.00% | 0.00% | 0.00% | -636 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 | 6.91% | 6.95% | 5.65% | 5.83% | 6.75% | 7.79% | 6.11% | 6.68% | +85 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 31.59% | 31.89% | 30.97% | 18.79% | 19.02% | 19.54% | 19.80% | 20.23% | +144 bps | |
| Net Worth / Assets | 31.59% | 31.89% | 30.97% | 18.79% | 19.02% | 19.54% | 19.80% | 20.23% | +144 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 17.70% | 17.87% | 21.37% | 10.64% | 9.20% | 8.02% | 10.23% | 9.38% | -126 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
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
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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.56% | 0.01% | 0.47% | 0.92% | Beats 94% | 4 / 62 | ||
| Return on Equity | 7.70% | 0.18% | 3.35% | 5.66% | Beats 82% | 11 / 62 | ||
| Net Interest Margin | 3.05% | 2.88% | 3.31% | 3.93% | Beats 34% | 41 / 62 | ||
| Efficiency Ratio | 48.98% | 71.17% | 84.14% | 92.47% | Beats 97% | 3 / 62 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.22% | 0.52% | 0.99% | Beats 100% | 6 / 62 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 20.22% | 9.30% | 12.20% | 16.33% | Beats 82% | 11 / 62 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 20.22% | 9.30% | 12.20% | 16.33% | Beats 82% | 11 / 62 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 9.36% | 48.69% | 57.00% | 84.55% | 2nd pctl | 61 / 62 | ||
| Loans / Assets | 7.48% | 42.93% | 53.05% | 69.62% | 2nd pctl | 61 / 62 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||