Gardena, CA · Charter 65059
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 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
71
Asset Quality
6
Profitability
30
Liquidity
29
Efficiency
26
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.
Gardena, CA · Charter 65059
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 | 0.31% | 0.32% | 0.23% | 0.07% | 0.32% | 0.37% | 0.11% | 0.13% | +6 bps | |
| Return on Equity | 2.36% | 2.29% | 1.68% | 0.50% | 2.24% | 2.54% | 0.78% | 0.93% | +43 bps | |
| Net Interest Margin | 3.21% | 3.37% | 3.24% | 3.26% | 3.26% | 3.23% | 2.97% | 3.02% | -23 bps | |
| Efficiency Ratio | 91.02% | 91.05% | 93.48% | 97.03% | 90.11% | 92.41% | 89.75% | 92.48% | -455 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.07% | -6.71% | -4.90% | -5.42% | -5.66% | -1.91% | -1.94% | 1.05% | +647 bps | |
| Loan Growth (YoY) | 0.28% | -1.28% | -0.40% | -8.02% | -10.13% | -11.82% | -12.53% | -7.86% | +16 bps | |
| Share Growth (YoY) | -7.85% | -7.81% | -6.57% | -7.25% | -6.79% | -2.87% | -2.40% | 1.34% | +859 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.27% | 0.94% | 0.98% | 0.11% | 0.06% | 1.22% | 1.26% | 2.69% | +259 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 | 13.31% | 13.80% | 13.79% | 14.02% | 14.40% | 14.40% | 14.36% | 14.23% | +22 bps | |
| Net Worth / Assets | 13.31% | 13.80% | 13.79% | 14.02% | 14.40% | 14.40% | 14.36% | 14.23% | +22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.43% | 95.84% | 94.67% | 90.79% | 90.09% | 87.01% | 84.84% | 82.55% | -824 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Gardena, CA · Charter 65059 · Peer group: credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=62)
NCUA · 2 branches
Q2 2026
Return on Assets
0.13%
Rank 43 of 62
Net Interest Margin
3.02%
Rank 42 of 62
Efficiency Ratio
92.47%
Rank 47 of 62
Equity / Assets
14.23%
Rank 18 of 62
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.13% | 0.01% | 0.47% | 0.92% | Beats 31% | 43 / 62 | ||
| Return on Equity | 0.93% | 0.18% | 3.35% | 5.66% | Beats 27% | 45 / 62 | ||
| Net Interest Margin | 3.02% | 2.88% | 3.31% | 3.93% | Beats 32% | 42 / 62 | ||
| Efficiency Ratio | 92.47% | 71.17% | 84.14% | 92.47% | Beats 26% | 47 / 62 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.69% | 0.22% | 0.52% | 0.99% | Beats 6% | 59 / 62 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.23% | 9.30% | 12.20% | 16.33% | Beats 71% | 18 / 62 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.23% | 9.30% | 12.20% | 16.33% | Beats 71% | 18 / 62 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 82.55% | 48.69% | 57.00% | 84.55% | 73rd pctl | 17 / 62 | ||
| Loans / Assets | 70.43% | 42.93% | 53.05% | 69.62% | 76th pctl | 15 / 62 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||