Redlands, CA · Charter 64531
NCUA · 2 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 (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
10
Asset Quality
59
Profitability
29
Liquidity
97
Efficiency
21
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.
Redlands, CA · Charter 64531
NCUA · 2 branches
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 | -0.03% | 0.02% | 0.02% | 0.08% | 0.32% | 0.29% | 0.16% | 0.19% | +11 bps | |
| Return on Equity | -0.39% | 0.28% | 0.29% | 0.98% | 3.70% | 3.33% | 1.78% | 2.17% | +120 bps | |
| Net Interest Margin | 3.39% | 3.43% | 3.53% | 3.59% | 3.70% | 3.70% | 3.72% | 3.83% | +23 bps | |
| Efficiency Ratio | 91.05% | 90.65% | 87.87% | 86.69% | 85.06% | 85.21% | 91.34% | 88.59% | +190 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.09% | -3.24% | -0.81% | -0.03% | 0.60% | 1.69% | -0.53% | -2.94% | -291 bps | |
| Loan Growth (YoY) | 1.38% | 2.91% | 4.91% | 0.89% | -1.74% | -6.77% | -6.62% | -6.70% | -759 bps | |
| Share Growth (YoY) | -1.28% | -1.35% | -1.13% | -0.22% | 1.90% | 2.01% | -0.78% | -3.47% | -324 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.77% | 0.55% | 0.53% | 0.38% | 0.26% | 0.36% | 1.13% | 0.51% | +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 | 8.45% | 8.59% | 8.44% | 8.40% | 8.62% | 8.63% | 8.70% | 8.89% | +50 bps | |
| Net Worth / Assets | 8.45% | 8.59% | 8.44% | 8.40% | 8.62% | 8.63% | 8.70% | 8.89% | +50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.29% | 74.00% | 72.11% | 70.88% | 71.64% | 67.63% | 67.86% | 68.50% | -238 bps | |
| Liquid Assets / Assets | 99.48% | 0.00% | 99.17% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Redlands, CA · Charter 64531 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.19%
Rank 1,389 of 1,683
Net Interest Margin
3.82%
Rank 840 of 1,683
Efficiency Ratio
88.61%
Rank 1,330 of 1,682
Equity / Assets
8.89%
Rank 1,519 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.19% | 0.35% | 0.74% | 1.18% | Beats 17% | 1,389 / 1,683 | ||
| Return on Equity | 2.17% | 2.67% | 5.89% | 8.74% | Beats 21% | 1,326 / 1,681 | ||
| Net Interest Margin | 3.82% | 3.31% | 3.82% | 4.32% | Beats 50% | 840 / 1,683 | ||
| Efficiency Ratio | 88.61% | 68.91% | 78.20% | 86.93% | Beats 21% | 1,330 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.51% | 0.26% | 0.65% | 1.29% | Beats 59% | 695 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.89% | 10.44% | 12.89% | 16.53% | Beats 10% | 1,519 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.89% | 10.44% | 12.89% | 16.53% | Beats 10% | 1,519 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 68.50% | 52.61% | 69.38% | 83.50% | 49th pctl | 866 / 1,683 | ||
| Loans / Assets | 61.88% | 44.71% | 59.18% | 70.72% | 56th pctl | 734 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||