Los Angeles, CA · Charter 63589
NCUA · 1 branch
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
75
Asset Quality
89
Profitability
11
Liquidity
39
Efficiency
6
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.
Los Angeles, CA · Charter 63589
NCUA · 1 branch
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 | -0.89% | -0.94% | -1.13% | -1.07% | -1.06% | -0.92% | -0.30% | -0.17% | +91 bps | |
| Return on Equity | -5.22% | -5.45% | -6.62% | -6.44% | -6.39% | -5.65% | -1.84% | -1.02% | +542 bps | |
| Net Interest Margin | 1.94% | 1.96% | 1.87% | 1.89% | 1.96% | 2.11% | 2.97% | 3.06% | +117 bps | |
| Efficiency Ratio | 139.59% | 141.11% | 151.91% | 148.40% | 145.78% | 137.55% | 108.77% | 104.65% | -4,376 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.24% | -8.72% | -6.25% | -2.70% | -2.77% | -0.55% | 0.32% | -2.22% | +48 bps | |
| Loan Growth (YoY) | -16.97% | -13.58% | 0.26% | -2.73% | 40.63% | 65.75% | 58.75% | 80.36% | +8,309 bps | |
| Share Growth (YoY) | -14.06% | -11.44% | -8.27% | -4.77% | -3.14% | -1.58% | -0.79% | -3.12% | +165 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.31% | 0.08% | 0.17% | 0.18% | 0.13% | 0.10% | 0.06% | 0.06% | -12 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 | 17.09% | 17.20% | 17.11% | 16.67% | 16.53% | 16.37% | 16.34% | 16.58% | -10 bps | |
| Net Worth / Assets | 17.09% | 17.20% | 17.11% | 16.67% | 16.53% | 16.37% | 16.34% | 16.58% | -10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 25.20% | 26.02% | 28.25% | 27.18% | 36.59% | 43.82% | 45.21% | 50.60% | +2,342 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Los Angeles, CA · Charter 63589 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.17%
Rank 1,528 of 1,683
Net Interest Margin
3.06%
Rank 1,419 of 1,683
Efficiency Ratio
104.68%
Rank 1,588 of 1,682
Equity / Assets
16.58%
Rank 419 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.17% | 0.35% | 0.74% | 1.18% | Beats 9% | 1,528 / 1,683 | ||
| Return on Equity | -1.03% | 2.67% | 5.89% | 8.74% | Beats 9% | 1,522 / 1,681 | ||
| Net Interest Margin | 3.06% | 3.31% | 3.82% | 4.32% | Beats 16% | 1,419 / 1,683 | ||
| Efficiency Ratio | 104.68% | 68.91% | 78.20% | 86.93% | Beats 6% | 1,588 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.06% | 0.26% | 0.65% | 1.29% | Beats 89% | 193 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.58% | 10.44% | 12.89% | 16.53% | Beats 75% | 419 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 16.58% | 10.44% | 12.89% | 16.53% | Beats 75% | 419 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 50.60% | 52.61% | 69.38% | 83.50% | 22nd pctl | 1,308 / 1,683 | ||
| Loans / Assets | 42.98% | 44.71% | 59.18% | 70.72% | 23rd pctl | 1,302 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||