Los Angeles, CA · Charter 60784
NCUA · 26 branches
Q3 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2025, the quarter ended September 30, 2025, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=18). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
39
Asset Quality
78
Profitability
56
Liquidity
55
Efficiency
39
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.
Los Angeles, CA · Charter 60784
NCUA · 26 branches
Q3 2025
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 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.40% | 0.35% | 0.32% | 0.32% | 0.40% | 0.22% | 0.49% | 0.52% | +20 bps | |
| Return on Equity | 4.32% | 3.76% | 3.46% | 3.54% | 4.31% | 2.40% | 5.26% | 5.58% | +204 bps | |
| Net Interest Margin | 2.32% | 2.23% | 2.20% | 2.18% | 2.23% | 2.23% | 2.36% | 2.38% | +20 bps | |
| Efficiency Ratio | 83.71% | 84.89% | 86.25% | 85.35% | 84.95% | 88.53% | 81.76% | 80.82% | -453 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.97% | 7.87% | 8.02% | 8.79% | 3.49% | 5.02% | 3.08% | 2.24% | -655 bps | |
| Loan Growth (YoY) | 18.69% | 14.42% | 12.15% | 9.41% | 7.55% | 11.44% | 11.76% | 11.29% | +188 bps | |
| Share Growth (YoY) | 7.81% | 8.87% | 11.63% | 11.18% | 8.27% | 7.80% | 3.07% | 3.84% | -733 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.22% | 0.18% | 0.28% | 0.51% | 0.23% | 0.22% | 0.30% | 0.28% | -23 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 | 9.33% | 9.31% | 9.19% | 9.10% | 9.31% | 9.12% | 9.30% | 9.34% | +24 bps | |
| Net Worth / Assets | 9.33% | 9.31% | 9.19% | 9.10% | 9.31% | 9.12% | 9.30% | 9.34% | +24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.16% | 68.30% | 67.57% | 68.21% | 69.69% | 70.60% | 73.26% | 73.11% | +489 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Los Angeles, CA · Charter 60784 · Peer group: credit unions $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=18)
NCUA · 26 branches
Q3 2025
Return on Assets
0.52%
Rank 5 of 18
Net Interest Margin
2.38%
Rank 15 of 18
Efficiency Ratio
80.82%
Rank 12 of 18
Equity / Assets
9.34%
Rank 11 of 18
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.52% | 0.23% | 0.44% | 0.52% | Beats 72% | 5 / 18 | ||
| Return on Equity | 5.58% | 2.16% | 4.02% | 5.46% | Beats 78% | 4 / 18 | ||
| Net Interest Margin | 2.38% | 2.44% | 2.90% | 3.15% | Beats 17% | 15 / 18 | ||
| Efficiency Ratio | 80.82% | 70.91% | 78.90% | 84.27% | Beats 39% | 12 / 18 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.28% | 0.28% | 0.56% | 0.81% | Beats 78% | 5 / 18 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.34% | 9.00% | 10.21% | 11.33% | Beats 39% | 11 / 18 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.34% | 9.00% | 10.21% | 11.33% | Beats 39% | 11 / 18 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 73.11% | 69.57% | 84.93% | 94.52% | 28th pctl | 13 / 18 | ||
| Loans / Assets | 65.75% | 55.16% | 70.24% | 77.29% | 33rd pctl | 12 / 18 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||