Lake Forest, CA · Charter 66847
NCUA · 6 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
34
Asset Quality
52
Profitability
75
Liquidity
0
Efficiency
63
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.
Lake Forest, CA · Charter 66847
NCUA · 6 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 | 0.43% | 0.48% | 0.29% | 0.43% | 0.50% | 0.47% | 0.34% | 0.56% | +13 bps | |
| Return on Equity | 4.19% | 4.58% | 2.79% | 3.98% | 4.73% | 4.71% | 3.53% | 5.66% | +168 bps | |
| Net Interest Margin | 5.09% | 5.13% | 5.02% | 5.34% | 5.32% | 5.08% | 5.22% | 5.35% | +1 bps | |
| Efficiency Ratio | 80.92% | 79.50% | 83.06% | 82.22% | 80.62% | 79.72% | 79.77% | 78.19% | -403 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.40% | 1.30% | 1.07% | -0.44% | 3.43% | 10.23% | 12.28% | 14.33% | +1,477 bps | |
| Loan Growth (YoY) | -3.67% | -0.60% | 3.31% | 5.17% | 6.66% | 15.32% | 17.76% | 15.97% | +1,080 bps | |
| Share Growth (YoY) | -0.82% | 1.48% | 1.20% | -0.76% | 3.50% | 11.09% | 13.80% | 16.10% | +1,687 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.71% | 0.58% | 0.36% | 0.48% | 0.48% | 0.65% | 0.45% | 0.49% | +1 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 | 10.38% | 10.55% | 10.35% | 10.74% | 10.53% | 10.02% | 9.67% | 9.91% | -82 bps | |
| Net Worth / Assets | 10.38% | 10.55% | 10.35% | 10.74% | 10.53% | 10.02% | 9.67% | 9.91% | -82 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.75% | 90.45% | 88.02% | 93.07% | 93.52% | 93.89% | 91.08% | 92.96% | -11 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lake Forest, CA · Charter 66847 · Peer group: credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=62)
NCUA · 6 branches
Q2 2026
Return on Assets
0.56%
Rank 28 of 62
Net Interest Margin
5.35%
Rank 3 of 62
Efficiency Ratio
78.19%
Rank 24 of 62
Equity / Assets
9.91%
Rank 41 of 62
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.56% | 0.01% | 0.47% | 0.92% | Beats 55% | 28 / 62 | ||
| Return on Equity | 5.66% | 0.18% | 3.35% | 5.66% | Beats 74% | 16 / 62 | ||
| Net Interest Margin | 5.35% | 2.88% | 3.31% | 3.93% | Beats 95% | 3 / 62 | ||
| Efficiency Ratio | 78.19% | 71.17% | 84.14% | 92.47% | Beats 63% | 24 / 62 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.49% | 0.22% | 0.52% | 0.99% | Beats 52% | 31 / 62 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.91% | 9.30% | 12.20% | 16.33% | Beats 34% | 41 / 62 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.91% | 9.30% | 12.20% | 16.33% | Beats 34% | 41 / 62 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 92.96% | 48.69% | 57.00% | 84.55% | 89th pctl | 7 / 62 | ||
| Loans / Assets | 82.39% | 42.93% | 53.05% | 69.62% | 97th pctl | 2 / 62 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||