Anaheim, CA · Charter 63837
NCUA · 1 branch
Q3 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2025, the quarter ended September 30, 2025, 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=65). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
72
Asset Quality
48
Profitability
46
Liquidity
40
Efficiency
31
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.
Anaheim, CA · Charter 63837
NCUA · 1 branch
Q3 2025
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 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.23% | -1.51% | -0.70% | -0.62% | -0.40% | 1.25% | 0.66% | 0.56% | +117 bps | |
| Return on Equity | 1.44% | -9.88% | -4.36% | -3.91% | -2.86% | 8.67% | 4.26% | 3.57% | +748 bps | |
| Net Interest Margin | 3.12% | 2.91% | 2.97% | 2.93% | 2.65% | 2.76% | 2.98% | 2.99% | +7 bps | |
| Efficiency Ratio | 90.99% | 93.03% | 87.86% | 92.56% | 92.62% | 97.07% | 91.87% | 89.46% | -310 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.37% | 0.50% | -2.86% | -1.47% | 10.76% | 7.33% | 4.64% | 3.15% | +462 bps | |
| Loan Growth (YoY) | -2.87% | -10.24% | -10.99% | -6.66% | -9.88% | -10.83% | -10.73% | -18.38% | -1,173 bps | |
| Share Growth (YoY) | 0.55% | 3.00% | -2.74% | -1.60% | 4.34% | 2.27% | 1.66% | -1.54% | +6 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.48% | 1.88% | 1.99% | 1.09% | 0.46% | 0.54% | 0.49% | 0.41% | -68 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 | 15.95% | 15.32% | 16.03% | 15.72% | 13.91% | 14.45% | 15.46% | 15.58% | -14 bps | |
| Net Worth / Assets | 15.95% | 15.32% | 16.03% | 15.72% | 13.91% | 14.45% | 15.46% | 15.58% | -14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 96.82% | 90.93% | 92.84% | 93.20% | 83.63% | 79.28% | 81.53% | 77.25% | -1,594 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Anaheim, CA · Charter 63837 · Peer group: credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=65)
NCUA · 1 branch
Q3 2025
Return on Assets
0.56%
Rank 28 of 65
Net Interest Margin
2.99%
Rank 44 of 65
Efficiency Ratio
89.47%
Rank 46 of 65
Equity / Assets
15.58%
Rank 18 of 65
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.56% | 0.09% | 0.50% | 0.86% | Beats 57% | 28 / 65 | ||
| Return on Equity | 3.57% | 0.71% | 3.70% | 6.37% | Beats 48% | 34 / 65 | ||
| Net Interest Margin | 2.99% | 2.76% | 3.26% | 3.76% | Beats 32% | 44 / 65 | ||
| Efficiency Ratio | 89.47% | 72.80% | 81.54% | 90.78% | Beats 31% | 46 / 65 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.41% | 0.21% | 0.41% | 0.79% | Beats 48% | 35 / 65 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.58% | 9.16% | 11.92% | 15.96% | Beats 72% | 18 / 65 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.58% | 9.16% | 11.92% | 15.96% | Beats 72% | 18 / 65 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 77.25% | 48.45% | 60.15% | 84.91% | 68th pctl | 21 / 65 | ||
| Loans / Assets | 61.53% | 41.72% | 53.21% | 67.33% | 65th pctl | 23 / 65 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||