Pasadena, CA · Charter 66703
NCUA · 32 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 in the Los Angeles-Long Beach-Anaheim, CA area (n=19). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
0
Asset Quality
84
Profitability
46
Liquidity
89
Efficiency
32
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.
Pasadena, CA · Charter 66703
NCUA · 32 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 | 0.34% | 0.29% | 0.17% | 0.30% | 0.35% | 0.35% | 0.23% | 0.47% | +17 bps | |
| Return on Equity | 4.34% | 3.73% | 2.19% | 3.83% | 4.33% | 4.34% | 2.95% | 5.93% | +210 bps | |
| Net Interest Margin | 2.58% | 2.67% | 2.70% | 2.76% | 2.89% | 2.95% | 3.03% | 2.95% | +19 bps | |
| Efficiency Ratio | 88.61% | 90.09% | 92.07% | 89.40% | 88.09% | 87.77% | 89.22% | 83.96% | -544 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.16% | 7.84% | 4.15% | 0.53% | -0.88% | 0.46% | -0.32% | 1.39% | +86 bps | |
| Loan Growth (YoY) | 5.44% | 4.54% | 4.88% | 2.76% | 3.11% | 4.08% | 4.10% | 3.26% | +51 bps | |
| Share Growth (YoY) | 1.94% | 5.46% | 5.36% | 0.93% | -1.29% | -2.88% | -4.67% | -4.23% | -516 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.27% | 0.35% | 0.22% | 0.30% | 0.33% | 0.39% | 0.37% | 0.43% | +13 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 | 7.90% | 7.91% | 7.69% | 7.78% | 8.06% | 8.03% | 7.88% | 7.90% | +13 bps | |
| Net Worth / Assets | 7.90% | 7.91% | 7.69% | 7.78% | 8.06% | 8.03% | 7.88% | 7.90% | +13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.44% | 74.42% | 72.71% | 74.83% | 78.80% | 79.76% | 79.40% | 80.69% | +586 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Pasadena, CA · Charter 66703 · Peer group: credit unions $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=19)
NCUA · 32 branches
Q2 2026
Return on Assets
0.47%
Rank 12 of 19
Net Interest Margin
2.95%
Rank 11 of 19
Efficiency Ratio
83.96%
Rank 14 of 19
Equity / Assets
7.90%
Rank 19 of 19
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.47% | 0.27% | 0.60% | 1.02% | Beats 37% | 12 / 19 | ||
| Return on Equity | 5.93% | 2.40% | 5.67% | 8.40% | Beats 58% | 8 / 19 | ||
| Net Interest Margin | 2.95% | 2.65% | 2.97% | 3.42% | Beats 42% | 11 / 19 | ||
| Efficiency Ratio | 83.96% | 64.19% | 77.39% | 85.63% | Beats 32% | 14 / 19 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.43% | 0.44% | 0.61% | 0.87% | Beats 84% | 4 / 19 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 7.90% | 9.41% | 10.19% | 11.40% | Beats 0% | 19 / 19 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 7.90% | 9.41% | 10.19% | 11.40% | Beats 0% | 19 / 19 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 80.69% | 69.76% | 83.28% | 94.64% | 37th pctl | 12 / 19 | ||
| Loans / Assets | 53.14% | 53.33% | 68.68% | 78.95% | 11th pctl | 17 / 19 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||