Santa Monica, CA · Charter 64834
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 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
76
Asset Quality
16
Profitability
35
Liquidity
5
Efficiency
82
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.
Santa Monica, CA · Charter 64834
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 | 0.46% | 0.61% | 0.27% | 0.52% | 0.55% | 0.61% | 0.65% | 0.57% | +5 bps | |
| Return on Equity | 2.35% | 3.07% | 1.38% | 2.58% | 2.74% | 3.12% | 3.41% | 3.25% | +67 bps | |
| Net Interest Margin | 1.42% | 1.49% | 1.42% | 1.71% | 1.70% | 1.72% | 1.82% | 1.68% | -4 bps | |
| Efficiency Ratio | 68.30% | 68.94% | 81.34% | 70.17% | 68.37% | 64.73% | 65.25% | 67.09% | -308 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.72% | 4.49% | 7.84% | 3.70% | 0.27% | 3.55% | 5.83% | 19.51% | +1,581 bps | |
| Loan Growth (YoY) | -0.43% | 4.71% | 7.06% | 10.32% | 21.01% | 26.10% | 26.59% | 26.87% | +1,655 bps | |
| Share Growth (YoY) | 6.02% | 4.54% | 8.91% | 3.82% | -0.37% | 3.93% | 8.45% | 23.72% | +1,991 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.15% | 1.18% | 0.94% | 1.12% | 3.80% | 0.75% | 0.73% | 1.45% | +34 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 | 19.40% | 19.72% | 19.53% | 20.08% | 20.02% | 19.65% | 19.15% | 17.40% | -268 bps | |
| Net Worth / Assets | 19.40% | 19.72% | 19.53% | 20.08% | 20.02% | 19.65% | 19.15% | 17.40% | -268 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.49% | 84.21% | 85.79% | 88.57% | 97.76% | 102.18% | 100.14% | 90.82% | +225 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Santa Monica, CA · Charter 64834 · Peer group: credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=62)
NCUA · 1 branch
Q2 2026
Return on Assets
0.57%
Rank 27 of 62
Net Interest Margin
1.68%
Rank 60 of 62
Efficiency Ratio
67.15%
Rank 12 of 62
Equity / Assets
17.40%
Rank 15 of 62
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.57% | 0.01% | 0.47% | 0.92% | Beats 56% | 27 / 62 | ||
| Return on Equity | 3.25% | 0.18% | 3.35% | 5.66% | Beats 47% | 33 / 62 | ||
| Net Interest Margin | 1.68% | 2.88% | 3.31% | 3.93% | Beats 3% | 60 / 62 | ||
| Efficiency Ratio | 67.15% | 71.17% | 84.14% | 92.47% | Beats 82% | 12 / 62 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.46% | 0.22% | 0.52% | 0.99% | Beats 16% | 53 / 62 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.40% | 9.30% | 12.20% | 16.33% | Beats 76% | 15 / 62 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 17.40% | 9.30% | 12.20% | 16.33% | Beats 76% | 15 / 62 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 90.82% | 48.69% | 57.00% | 84.55% | 87th pctl | 8 / 62 | ||
| Loans / Assets | 74.16% | 42.93% | 53.05% | 69.62% | 84th pctl | 10 / 62 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||