San Diego, CA · Charter 66584
NCUA · 28 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
87
Asset Quality
93
Profitability
61
Liquidity
57
Efficiency
36
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.
San Diego, CA · Charter 66584
NCUA · 28 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.62% | 0.84% | 0.77% | 0.33% | 1.16% | +55 bps | |
| Return on Equity | 4.59% | 6.08% | 5.60% | 2.47% | 8.35% | +376 bps | |
| Net Interest Margin | 3.23% | 3.30% | 3.31% | 3.32% | 3.30% | +7 bps | |
| Efficiency Ratio | 82.07% | 78.38% | 79.02% | 92.54% | 75.05% | -702 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.43% | -1.17% | 1.11% | 1.56% | 3.65% | +508 bps | |
| Loan Growth (YoY) | 1.13% | -0.97% | 0.55% | 2.68% | 4.62% | +350 bps | |
| Share Growth (YoY) | -2.85% | -2.13% | -0.56% | 0.32% | 2.50% | +535 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.17% | 0.12% | 0.26% | 0.24% | 0.26% | +9 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.44% | 13.73% | 13.74% | 13.44% | 13.91% | +47 bps | |
| Net Worth / Assets | 13.44% | 13.73% | 13.74% | 13.44% | 13.91% | +47 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 76.64% | 76.38% | 76.80% | 76.46% | 78.23% | +159 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
San Diego, CA · Charter 66584 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 28 branches
Q2 2026
Return on Assets
1.16%
Rank 97 of 435
Net Interest Margin
3.30%
Rank 245 of 435
Efficiency Ratio
75.05%
Rank 279 of 435
Equity / Assets
13.91%
Rank 55 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.16% | 0.55% | 0.81% | 1.14% | Beats 78% | 97 / 435 | |
| Return on Equity | 8.35% | 5.12% | 7.41% | 9.70% | Beats 61% | 168 / 435 | |
| Net Interest Margin | 3.30% | 3.01% | 3.39% | 3.75% | Beats 44% | 245 / 435 | |
| Efficiency Ratio | 75.05% | 65.25% | 71.39% | 77.86% | Beats 36% | 279 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.26% | 0.45% | 0.69% | 1.05% | Beats 93% | 32 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 13.91% | 9.81% | 10.84% | 12.63% | Beats 87% | 55 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 13.91% | 9.81% | 10.84% | 12.63% | Beats 87% | 55 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 78.23% | 78.33% | 88.38% | 95.61% | 25th pctl | 328 / 435 | |
| Loans / Assets | 68.65% | 67.69% | 74.58% | 80.80% | 27th pctl | 316 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||