San Diego, CA · Charter 61003
NCUA · 5 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 CA (n=62 to 63). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
16
Asset Quality
79
Profitability
75
Liquidity
0
Efficiency
71
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 61003
NCUA · 5 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.26% | 0.22% | 0.72% | 0.33% | 1.29% | +103 bps | |
| Return on Equity | 3.32% | 2.78% | 9.03% | 4.23% | 15.32% | +1,200 bps | |
| Net Interest Margin | 3.40% | 3.46% | 3.39% | 3.68% | 3.68% | +29 bps | |
| Efficiency Ratio | 90.27% | 90.19% | 79.09% | 88.69% | 71.64% | -1,864 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.41% | -3.08% | 1.45% | 6.74% | 9.42% | +1,382 bps | |
| Loan Growth (YoY) | -1.67% | -0.09% | 7.80% | 6.69% | 10.91% | +1,258 bps | |
| Share Growth (YoY) | 0.48% | 0.65% | 3.79% | 3.93% | 8.71% | +823 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.08% | 0.04% | 0.03% | 0.04% | 0.13% | +6 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.88% | 7.82% | 7.99% | 7.92% | 8.43% | +55 bps | |
| Net Worth / Assets | 7.88% | 7.82% | 7.99% | 7.92% | 8.43% | +55 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 91.29% | 91.62% | 94.13% | 91.17% | 93.14% | +185 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
San Diego, CA · Charter 61003 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 5 branches
Q2 2026
Return on Assets
1.29%
Rank 13 of 63
Net Interest Margin
3.68%
Rank 29 of 63
Efficiency Ratio
71.64%
Rank 19 of 63
Equity / Assets
8.43%
Rank 53 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.29% | 0.17% | 0.56% | 1.17% | Beats 79% | 13 / 63 | |
| Return on Equity | 15.32% | 1.81% | 4.79% | 8.64% | Beats 92% | 5 / 63 | |
| Net Interest Margin | 3.68% | 3.18% | 3.49% | 3.98% | Beats 54% | 29 / 63 | |
| Efficiency Ratio | 71.64% | 70.58% | 81.25% | 89.21% | Beats 71% | 19 / 63 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.13% | 0.17% | 0.42% | 0.85% | Beats 79% | 14 / 62 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.43% | 8.61% | 10.56% | 14.01% | Beats 16% | 53 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.43% | 8.61% | 10.56% | 14.01% | Beats 16% | 53 / 63 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 93.14% | 53.46% | 72.75% | 85.33% | 89th pctl | 7 / 62 | |
| Loans / Assets | 83.04% | 46.35% | 58.08% | 72.17% | 92nd pctl | 5 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||