San Diego, CA · Charter 60801
NCUA · 6 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
23
Asset Quality
27
Profitability
16
Liquidity
41
Efficiency
2
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.
San Diego, CA · Charter 60801
NCUA · 6 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 | -0.72% | -0.54% | 0.18% | 0.23% | 0.21% | 0.21% | 0.15% | 0.18% | -5 bps | |
| Return on Equity | -9.03% | -6.29% | 2.07% | 2.57% | 2.28% | 2.25% | 1.59% | 1.81% | -76 bps | |
| Net Interest Margin | 2.37% | 2.57% | 2.64% | 2.71% | 2.81% | 2.88% | 3.11% | 3.18% | +47 bps | |
| Efficiency Ratio | 100.52% | 98.70% | 92.55% | 97.64% | 95.77% | 93.85% | 92.08% | 91.70% | -594 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.23% | -18.12% | -17.74% | -15.13% | -10.81% | -6.12% | -5.43% | -6.60% | +853 bps | |
| Loan Growth (YoY) | -8.05% | -7.54% | -7.99% | -9.54% | -9.28% | -9.74% | -7.83% | -4.08% | +546 bps | |
| Share Growth (YoY) | -3.73% | -15.25% | -18.52% | -16.40% | -11.92% | -7.31% | -6.53% | -7.38% | +902 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.14% | 1.85% | 1.98% | 0.27% | 0.23% | 0.30% | 0.30% | 1.03% | +75 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 | 8.02% | 8.53% | 8.67% | 8.91% | 9.17% | 9.27% | 9.34% | 9.69% | +78 bps | |
| Net Worth / Assets | 8.02% | 8.53% | 8.67% | 8.91% | 9.17% | 9.27% | 9.34% | 9.69% | +78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.74% | 73.77% | 73.11% | 71.88% | 72.86% | 71.84% | 72.10% | 74.44% | +256 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
San Diego, CA · Charter 60801 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 6 branches
Q2 2026
Return on Assets
0.18%
Rank 408 of 435
Net Interest Margin
3.18%
Rank 280 of 435
Efficiency Ratio
91.70%
Rank 427 of 435
Equity / Assets
9.69%
Rank 337 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.18% | 0.55% | 0.81% | 1.14% | Beats 6% | 408 / 435 | ||
| Return on Equity | 1.81% | 5.12% | 7.41% | 9.70% | Beats 6% | 407 / 435 | ||
| Net Interest Margin | 3.18% | 3.01% | 3.39% | 3.75% | Beats 36% | 280 / 435 | ||
| Efficiency Ratio | 91.70% | 65.25% | 71.39% | 77.86% | Beats 2% | 427 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.03% | 0.45% | 0.69% | 1.05% | Beats 27% | 318 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.69% | 9.81% | 10.84% | 12.63% | Beats 23% | 337 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.69% | 9.81% | 10.84% | 12.63% | Beats 23% | 337 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 74.44% | 78.33% | 88.38% | 95.61% | 19th pctl | 353 / 435 | ||
| Loans / Assets | 67.99% | 67.69% | 74.58% | 80.80% | 25th pctl | 326 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||