Hawthorne, CA · Charter 6248
NCUA · 3 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 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.
Capital
5
Asset Quality
21
Profitability
31
Liquidity
22
Efficiency
53
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.
Hawthorne, CA · Charter 6248
NCUA · 3 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 | -0.92% | -0.45% | -0.27% | 0.18% | 0.23% | +114 bps | |
| Return on Equity | -12.72% | -6.10% | -3.66% | 2.44% | 2.95% | +1,568 bps | |
| Net Interest Margin | 2.65% | 2.71% | 2.82% | 2.67% | 2.76% | +11 bps | |
| Efficiency Ratio | 80.27% | 78.18% | 76.51% | 88.51% | 80.76% | +49 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.27% | -8.46% | -12.21% | -8.78% | -7.01% | +126 bps | |
| Loan Growth (YoY) | -12.34% | -12.13% | -8.98% | -6.87% | -1.90% | +1,044 bps | |
| Share Growth (YoY) | -14.85% | -2.74% | -11.02% | -6.90% | 0.38% | +1,522 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.30% | 1.22% | 1.35% | 1.16% | 1.25% | -5 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 | 7.21% | 7.42% | 7.40% | 7.50% | 7.67% | +46 bps | |
| Net Worth / Assets | 7.21% | 7.42% | 7.40% | 7.50% | 7.67% | +46 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.97% | 84.96% | 84.61% | 84.85% | 84.99% | -198 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Hawthorne, CA · Charter 6248 · Peer group: credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=62)
NCUA · 3 branches
Q2 2026
Return on Assets
0.23%
Rank 41 of 62
Net Interest Margin
2.76%
Rank 50 of 62
Efficiency Ratio
80.77%
Rank 30 of 62
Equity / Assets
7.67%
Rank 59 of 62
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.23% | 0.01% | 0.47% | 0.92% | Beats 34% | 41 / 62 | |
| Return on Equity | 2.95% | 0.18% | 3.35% | 5.66% | Beats 39% | 38 / 62 | |
| Net Interest Margin | 2.76% | 2.88% | 3.31% | 3.93% | Beats 19% | 50 / 62 | |
| Efficiency Ratio | 80.77% | 71.17% | 84.14% | 92.47% | Beats 53% | 30 / 62 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.25% | 0.22% | 0.52% | 0.99% | Beats 21% | 50 / 62 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 7.67% | 9.30% | 12.20% | 16.33% | Beats 5% | 59 / 62 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 7.67% | 9.30% | 12.20% | 16.33% | Beats 5% | 59 / 62 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 84.99% | 48.69% | 57.00% | 84.55% | 76th pctl | 15 / 62 | |
| Loans / Assets | 72.09% | 42.93% | 53.05% | 69.62% | 81st pctl | 12 / 62 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||