Pasadena, CA · Charter 60755
NCUA · 2 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
79
Asset Quality
82
Profitability
58
Liquidity
0
Efficiency
48
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.
Pasadena, CA · Charter 60755
NCUA · 2 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 | 0.31% | 0.52% | 0.27% | 0.72% | 0.84% | 0.87% | 0.45% | 0.64% | -8 bps | |
| Return on Equity | 1.67% | 2.59% | 1.35% | 3.62% | 4.21% | 4.24% | 2.24% | 3.24% | -38 bps | |
| Net Interest Margin | 3.46% | 3.71% | 3.44% | 3.56% | 3.58% | 3.69% | 3.56% | 3.58% | +2 bps | |
| Efficiency Ratio | 83.18% | 80.83% | 85.37% | 79.81% | 78.65% | 77.32% | 88.46% | 84.22% | +441 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.80% | -8.75% | -4.08% | -3.03% | -2.07% | 1.97% | 2.77% | 4.87% | +790 bps | |
| Loan Growth (YoY) | 5.80% | 2.63% | 1.08% | 1.51% | 0.82% | -3.96% | -8.63% | -9.26% | -1,077 bps | |
| Share Growth (YoY) | -12.98% | -12.22% | -7.31% | -6.62% | -3.73% | 1.06% | 2.12% | 5.44% | +1,206 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.08% | 0.68% | 0.64% | 0.54% | 0.53% | 0.20% | 0.21% | 0.08% | -46 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 | 18.68% | 20.10% | 19.64% | 19.95% | 19.89% | 20.50% | 19.92% | 19.76% | -19 bps | |
| Net Worth / Assets | 18.68% | 20.10% | 19.64% | 19.95% | 19.89% | 20.50% | 19.92% | 19.76% | -19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 27.81% | 30.71% | 30.07% | 30.42% | 29.13% | 29.19% | 26.91% | 26.18% | -424 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
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
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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.64% | 0.01% | 0.47% | 0.92% | Beats 65% | 22 / 62 | ||
| Return on Equity | 3.25% | 0.18% | 3.35% | 5.66% | Beats 48% | 32 / 62 | ||
| Net Interest Margin | 3.58% | 2.88% | 3.31% | 3.93% | Beats 60% | 25 / 62 | ||
| Efficiency Ratio | 84.24% | 71.17% | 84.14% | 92.47% | Beats 48% | 33 / 62 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.09% | 0.22% | 0.52% | 0.99% | Beats 82% | 12 / 62 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 19.76% | 9.30% | 12.20% | 16.33% | Beats 79% | 13 / 62 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 19.76% | 9.30% | 12.20% | 16.33% | Beats 79% | 13 / 62 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 26.18% | 48.69% | 57.00% | 84.55% | 3rd pctl | 60 / 62 | ||
| Loans / Assets | 21.43% | 42.93% | 53.05% | 69.62% | 3rd pctl | 60 / 62 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||