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E-Central

Pasadena, CA · Charter 62323

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

90

Q2 2024Q2 2026peer median (50)

Asset Quality

35

Q2 2024Q2 2026peer median (50)

Profitability

65

Q2 2024Q2 2026peer median (50)

Liquidity

23

Q2 2024Q2 2026peer median

Efficiency

44

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

E-Central

Pasadena, CA · Charter 62323

NCUA · 1 branch

Q2 2026

$173.5MAssets
$110.5MLoans
$130.7MShares
$40.6MNet 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 0.72%, down 32 bps year over year; NIM at 4.02%.
  • Asset quality: problem loans at 0.77% of loans (+27 bps YoY).
  • Capital: net worth / assets of 23.41%, up 94 bps from a year ago.
  • Funding: loans stand at 84.55% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.72%-32 bps YoY

Net Interest Margin (YTD, annualized)

4.02%-8 bps YoY

Efficiency Ratio (YTD, annualized)

85.33%+705 bps YoY

Net Worth / Assets

23.41%+94 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.04%1.03%0.92%0.65%0.72%-32 bps
Return on Equity4.63%4.55%3.99%2.84%3.09%-154 bps
Net Interest Margin4.10%4.11%4.15%3.91%4.02%-8 bps
Efficiency Ratio78.27%79.05%80.72%85.90%85.33%+705 bps
Growth
Asset Growth (YoY)2.27%3.03%3.15%0.93%-1.04%-331 bps
Loan Growth (YoY)-11.05%-10.06%-11.64%-9.63%-7.08%+397 bps
Share Growth (YoY)1.93%2.75%3.23%0.60%-2.27%-420 bps
Asset Quality
Delinquent Loans / Loans0.50%0.67%0.64%0.84%0.77%+27 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 Capital22.47%22.70%22.97%23.08%23.41%+94 bps
Net Worth / Assets22.47%22.70%22.97%23.08%23.41%+94 bps
Liquidity & Funding
Loans / Shares88.93%88.60%86.52%85.42%84.55%-438 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

E-Central

Pasadena, CA · Charter 62323 · Peer group: credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=62)

NCUA · 1 branch

Q2 2026

$173.5MAssets
$110.5MLoans
$130.7MShares
$40.6MNet Worth

Executive Summary

  • Strongest standing: tier 1 capital ratio 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 65% of credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 41 of 62).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

0.72%

Rank 18 of 62

Net Interest Margin

4.02%

Rank 12 of 62

Efficiency Ratio

85.34%

Rank 36 of 62

Equity / Assets

23.42%

Rank 6 of 62

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.72%0.01%0.47%0.92%Beats 71%18 / 62
Return on Equity3.09%0.18%3.35%5.66%Beats 44%35 / 62
Net Interest Margin4.02%2.88%3.31%3.93%Beats 81%12 / 62
Efficiency Ratio85.34%71.17%84.14%92.47%Beats 44%36 / 62
Asset Quality
Nonperforming Loans / Loans0.77%0.22%0.52%0.99%Beats 35%41 / 62
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio23.41%9.30%12.20%16.33%Beats 90%6 / 62
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets23.42%9.30%12.20%16.33%Beats 90%6 / 62
Liquidity & Funding
Loans / Deposits84.55%48.69%57.00%84.55%74th pctl16 / 62
Loans / Assets63.70%42.93%53.05%69.62%69th pctl19 / 62
Brokered Deposits / Depositsn/aNot reported for this institution