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L. A. Electrical Workers Credit Un.

Pasadena, CA · Charter 60755

NCUA · 2 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

79

Q2 2024Q2 2026peer median (50)

Asset Quality

82

Q2 2024Q2 2026peer median (50)

Profitability

58

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

48

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

L. A. Electrical Workers Credit Un.

Pasadena, CA · Charter 60755

NCUA · 2 branches

Q2 2026

$54.8MAssets
$11.7MLoans
$44.9MShares
$10.8MNet 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 0.64%, down 8 bps year over year; NIM at 3.58%.
  • Asset quality: problem loans at 0.08% of loans (-46 bps YoY).
  • Capital: net worth / assets of 19.76%, down 19 bps from a year ago.
  • Funding: loans stand at 26.18% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.64%-8 bps YoY

Net Interest Margin (YTD, annualized)

3.58%+2 bps YoY

Efficiency Ratio (YTD, annualized)

84.22%+441 bps YoY

Net Worth / Assets

19.76%-19 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.72%0.84%0.87%0.45%0.64%-8 bps
Return on Equity3.62%4.21%4.24%2.24%3.24%-38 bps
Net Interest Margin3.56%3.58%3.69%3.56%3.58%+2 bps
Efficiency Ratio79.81%78.65%77.32%88.46%84.22%+441 bps
Growth
Asset Growth (YoY)-3.03%-2.07%1.97%2.77%4.87%+790 bps
Loan Growth (YoY)1.51%0.82%-3.96%-8.63%-9.26%-1,077 bps
Share Growth (YoY)-6.62%-3.73%1.06%2.12%5.44%+1,206 bps
Asset Quality
Delinquent Loans / Loans0.54%0.53%0.20%0.21%0.08%-46 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 Capital19.95%19.89%20.50%19.92%19.76%-19 bps
Net Worth / Assets19.95%19.89%20.50%19.92%19.76%-19 bps
Liquidity & Funding
Loans / Shares30.42%29.13%29.19%26.91%26.18%-424 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

L. A. Electrical Workers Credit Un.

Pasadena, CA · Charter 60755 · Peer group: credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=62)

NCUA · 2 branches

Q2 2026

$54.8MAssets
$11.7MLoans
$44.9MShares
$10.8MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 82% of credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 12 of 62).
  • Widest gap: efficiency ratio trails 52% of credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 33 of 62).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

0.64%

Rank 22 of 62

Net Interest Margin

3.58%

Rank 25 of 62

Efficiency Ratio

84.24%

Rank 33 of 62

Equity / Assets

19.76%

Rank 13 of 62

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.64%0.01%0.47%0.92%Beats 65%22 / 62
Return on Equity3.25%0.18%3.35%5.66%Beats 48%32 / 62
Net Interest Margin3.58%2.88%3.31%3.93%Beats 60%25 / 62
Efficiency Ratio84.24%71.17%84.14%92.47%Beats 48%33 / 62
Asset Quality
Nonperforming Loans / Loans0.09%0.22%0.52%0.99%Beats 82%12 / 62
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio19.76%9.30%12.20%16.33%Beats 79%13 / 62
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets19.76%9.30%12.20%16.33%Beats 79%13 / 62
Liquidity & Funding
Loans / Deposits26.18%48.69%57.00%84.55%3rd pctl60 / 62
Loans / Assets21.43%42.93%53.05%69.62%3rd pctl60 / 62
Brokered Deposits / Depositsn/aNot reported for this institution