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Center City Community

Buena Park, CA · Charter 68052

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area3

Basis

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.

Peer group

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.

Peer standing

Capital

16

Q2 2024Q2 2026peer median (50)

Asset Quality

81

Q2 2024Q2 2026peer median (50)

Profitability

27

Q2 2024Q2 2026peer median (50)

Liquidity

95

Q2 2024Q2 2026peer median

Efficiency

15

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Center City Community

Buena Park, CA · Charter 68052

NCUA · 1 branch

Q2 2026

$26.2MAssets
$13.1MLoans
$23.4MShares
$2.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.28%, down 75 bps year over year; NIM at 3.50%.
  • Asset quality: problem loans at 0.10% of loans (0 bps YoY).
  • Capital: net worth / assets of 8.66%, down 45 bps from a year ago.
  • Funding: loans stand at 55.83% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.28%-75 bps YoY

Net Interest Margin (YTD, annualized)

3.50%-3 bps YoY

Efficiency Ratio (YTD, annualized)

99.14%+929 bps YoY

Net Worth / Assets

8.66%-45 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.47%0.22%0.04%0.03%-0.28%-75 bps
Return on Equity5.20%2.38%0.48%0.35%-3.23%-844 bps
Net Interest Margin3.53%3.62%3.70%3.62%3.50%-3 bps
Efficiency Ratio89.85%94.42%96.87%99.25%99.14%+929 bps
Growth
Asset Growth (YoY)-4.63%-6.14%-5.38%-3.57%0.91%+554 bps
Loan Growth (YoY)4.19%4.07%1.22%4.46%0.91%-328 bps
Share Growth (YoY)-6.84%-6.76%-6.75%-3.88%2.81%+965 bps
Asset Quality
Delinquent Loans / Loans0.10%0.19%0.00%0.16%0.10%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.11%9.16%9.24%9.12%8.66%-45 bps
Net Worth / Assets9.11%9.16%9.24%9.12%8.66%-45 bps
Liquidity & Funding
Loans / Shares56.89%57.22%58.70%58.61%55.83%-105 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Center City Community

Buena Park, CA · Charter 68052 · Peer group: credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=62)

NCUA · 1 branch

Q2 2026

$26.2MAssets
$13.1MLoans
$23.4MShares
$2.3MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 81% of credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 13 of 62).
  • Widest gap: return on equity trails 89% of credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 55 of 62).
  • Overall: at or above the peer median on 2 of 7 directional measures.

Return on Assets

-0.28%

Rank 53 of 62

Net Interest Margin

3.50%

Rank 28 of 62

Efficiency Ratio

99.07%

Rank 54 of 62

Equity / Assets

8.66%

Rank 52 of 62

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.28%0.01%0.47%0.92%Beats 15%53 / 62
Return on Equity-3.26%0.18%3.35%5.66%Beats 11%55 / 62
Net Interest Margin3.50%2.88%3.31%3.93%Beats 55%28 / 62
Efficiency Ratio99.07%71.17%84.14%92.47%Beats 15%54 / 62
Asset Quality
Nonperforming Loans / Loans0.10%0.22%0.52%0.99%Beats 81%13 / 62
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio8.66%9.30%12.20%16.33%Beats 16%52 / 62
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets8.66%9.30%12.20%16.33%Beats 16%52 / 62
Liquidity & Funding
Loans / Deposits55.83%48.69%57.00%84.55%42nd pctl36 / 62
Loans / Assets49.93%42.93%53.05%69.62%45th pctl34 / 62
Brokered Deposits / Depositsn/aNot reported for this institution