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Priority One

South Pasadena, CA · Charter 60024

NCUA · 3 branches

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

69

Q2 2024Q2 2026peer median (50)

Asset Quality

74

Q2 2024Q2 2026peer median (50)

Profitability

81

Q2 2024Q2 2026peer median (50)

Liquidity

85

Q2 2024Q2 2026peer median

Efficiency

71

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

Priority One

South Pasadena, CA · Charter 60024

NCUA · 3 branches

Q2 2026

$205.9MAssets
$96.0MLoans
$178.6MShares
$28.7MNet 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 1.01%, down 19 bps year over year; NIM at 4.23%.
  • Asset quality: problem loans at 0.25% of loans (-7 bps YoY).
  • Capital: net worth / assets of 13.95%, up 81 bps from a year ago.
  • Funding: loans stand at 53.74% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.01%-19 bps YoY

Net Interest Margin (YTD, annualized)

4.23%+7 bps YoY

Efficiency Ratio (YTD, annualized)

75.46%+338 bps YoY

Net Worth / Assets

13.95%+81 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.20%1.28%1.30%1.40%1.01%-19 bps
Return on Equity9.16%9.71%9.72%10.16%7.26%-190 bps
Net Interest Margin4.15%4.13%4.17%4.31%4.23%+7 bps
Efficiency Ratio72.08%71.31%70.96%72.62%75.46%+338 bps
Growth
Asset Growth (YoY)3.26%5.77%6.36%1.67%2.97%-29 bps
Loan Growth (YoY)2.47%-0.20%1.14%4.05%-2.17%-464 bps
Share Growth (YoY)1.25%4.47%4.48%0.02%1.53%+28 bps
Asset Quality
Delinquent Loans / Loans0.32%0.38%0.24%0.33%0.25%-7 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.14%13.18%13.39%13.75%13.95%+81 bps
Net Worth / Assets13.14%13.18%13.39%13.75%13.95%+81 bps
Liquidity & Funding
Loans / Shares55.77%54.00%53.15%53.22%53.74%-203 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

Priority One

South Pasadena, CA · Charter 60024 · Peer group: credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=62)

NCUA · 3 branches

Q2 2026

$205.9MAssets
$96.0MLoans
$178.6MShares
$28.7MNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 84% of credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 10 of 62).
  • Widest gap: equity / assets trails 31% of credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 19 of 62).
  • Overall: at or above the peer median on 7 of 7 directional measures.

Return on Assets

1.01%

Rank 13 of 62

Net Interest Margin

4.23%

Rank 10 of 62

Efficiency Ratio

75.47%

Rank 19 of 62

Equity / Assets

13.95%

Rank 19 of 62

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.01%0.01%0.47%0.92%Beats 79%13 / 62
Return on Equity7.26%0.18%3.35%5.66%Beats 79%13 / 62
Net Interest Margin4.23%2.88%3.31%3.93%Beats 84%10 / 62
Efficiency Ratio75.47%71.17%84.14%92.47%Beats 71%19 / 62
Asset Quality
Nonperforming Loans / Loans0.25%0.22%0.52%0.99%Beats 74%17 / 62
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio13.95%9.30%12.20%16.33%Beats 69%19 / 62
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets13.95%9.30%12.20%16.33%Beats 69%19 / 62
Liquidity & Funding
Loans / Deposits53.74%48.69%57.00%84.55%34th pctl41 / 62
Loans / Assets46.62%42.93%53.05%69.62%35th pctl40 / 62
Brokered Deposits / Depositsn/aNot reported for this institution