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Huntington Beach

Huntington Beac, CA · Charter 60967

NCUA · 1 branch

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

58

Q2 2024Q2 2026peer median (50)

Asset Quality

47

Q2 2024Q2 2026peer median (50)

Profitability

81

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

81

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

Huntington Beach

Huntington Beac, CA · Charter 60967

NCUA · 1 branch

Q2 2026

$56.4MAssets
$17.5MLoans
$48.8MShares
$7.4MNet 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 1.35%, up 72 bps year over year; NIM at 3.62%.
  • Asset quality: problem loans at 0.54% of loans (+14 bps YoY).
  • Capital: net worth / assets of 13.05%, up 62 bps from a year ago.
  • Funding: loans stand at 35.73% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.35%+72 bps YoY

Net Interest Margin (YTD, annualized)

3.62%+27 bps YoY

Efficiency Ratio (YTD, annualized)

68.35%-1,473 bps YoY

Net Worth / Assets

13.05%+62 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.63%0.52%0.57%1.62%1.35%+72 bps
Return on Equity5.10%4.18%4.44%12.55%10.35%+525 bps
Net Interest Margin3.35%3.43%3.51%3.50%3.62%+27 bps
Efficiency Ratio83.08%84.87%85.14%61.71%68.35%-1,473 bps
Growth
Asset Growth (YoY)2.08%3.41%-1.87%2.49%2.40%+33 bps
Loan Growth (YoY)2.95%1.65%1.36%6.08%7.79%+484 bps
Share Growth (YoY)1.86%3.41%-2.65%1.96%1.90%+4 bps
Asset Quality
Delinquent Loans / Loans0.40%0.40%0.44%0.37%0.54%+14 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 Capital12.42%12.54%12.95%12.89%13.05%+62 bps
Net Worth / Assets12.42%12.54%12.95%12.89%13.05%+62 bps
Liquidity & Funding
Loans / Shares33.78%34.12%35.38%34.80%35.73%+195 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

Huntington Beach

Huntington Beac, CA · Charter 60967 · Peer group: credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=62)

NCUA · 1 branch

Q2 2026

$56.4MAssets
$17.5MLoans
$48.8MShares
$7.4MNet Worth

Executive Summary

  • Strongest standing: return on equity outperforms 90% of credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 6 of 62).
  • Widest gap: nonperforming loans / loans trails 53% of credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 34 of 62).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

1.35%

Rank 7 of 62

Net Interest Margin

3.62%

Rank 23 of 62

Efficiency Ratio

68.34%

Rank 13 of 62

Equity / Assets

13.05%

Rank 26 of 62

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.35%0.01%0.47%0.92%Beats 89%7 / 62
Return on Equity10.36%0.18%3.35%5.66%Beats 90%6 / 62
Net Interest Margin3.62%2.88%3.31%3.93%Beats 63%23 / 62
Efficiency Ratio68.34%71.17%84.14%92.47%Beats 81%13 / 62
Asset Quality
Nonperforming Loans / Loans0.54%0.22%0.52%0.99%Beats 47%34 / 62
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio13.05%9.30%12.20%16.33%Beats 58%26 / 62
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets13.05%9.30%12.20%16.33%Beats 58%26 / 62
Liquidity & Funding
Loans / Deposits35.73%48.69%57.00%84.55%11th pctl55 / 62
Loans / Assets30.97%42.93%53.05%69.62%13th pctl54 / 62
Brokered Deposits / Depositsn/aNot reported for this institution