El Centro, CA · Charter 68356
NCUA · 4 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 CA (n=62 to 63). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
75
Asset Quality
3
Profitability
64
Liquidity
33
Efficiency
68
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.
El Centro, CA · Charter 68356
NCUA · 4 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 | 4.92% | 3.70% | 2.81% | -0.01% | 0.66% | -426 bps | |
| Return on Equity | 33.10% | 24.40% | 19.78% | -0.04% | 4.73% | -2,837 bps | |
| Net Interest Margin | 4.40% | 4.55% | 4.36% | 4.13% | 4.59% | +19 bps | |
| Efficiency Ratio | 45.95% | 49.76% | 53.75% | 82.16% | 74.20% | +2,824 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.06% | 6.51% | 7.00% | 3.95% | 11.18% | +311 bps | |
| Loan Growth (YoY) | 12.04% | 8.36% | 9.83% | 7.00% | 5.99% | -605 bps | |
| Share Growth (YoY) | 8.01% | 8.62% | 6.89% | 4.38% | 12.80% | +479 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.48% | 1.57% | 2.03% | 1.89% | 2.51% | +102 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 | 14.87% | 15.15% | 14.21% | 13.78% | 14.01% | -85 bps | |
| Net Worth / Assets | 14.87% | 15.15% | 14.21% | 13.78% | 14.01% | -85 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 91.28% | 98.62% | 90.35% | 84.81% | 85.77% | -550 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
El Centro, CA · Charter 68356 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 4 branches
Q2 2026
Return on Assets
0.66%
Rank 28 of 63
Net Interest Margin
4.59%
Rank 8 of 63
Efficiency Ratio
74.19%
Rank 21 of 63
Equity / Assets
14.01%
Rank 16 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.66% | 0.17% | 0.56% | 1.17% | Beats 56% | 28 / 63 | |
| Return on Equity | 4.73% | 1.81% | 4.79% | 8.64% | Beats 48% | 33 / 63 | |
| Net Interest Margin | 4.59% | 3.18% | 3.49% | 3.98% | Beats 87% | 8 / 63 | |
| Efficiency Ratio | 74.19% | 70.58% | 81.25% | 89.21% | Beats 68% | 21 / 63 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.51% | 0.17% | 0.42% | 0.85% | Beats 3% | 61 / 62 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 14.01% | 8.61% | 10.56% | 14.01% | Beats 75% | 16 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 14.01% | 8.61% | 10.56% | 14.01% | Beats 75% | 16 / 63 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 85.77% | 53.46% | 72.75% | 85.33% | 76th pctl | 15 / 62 | |
| Loans / Assets | 73.29% | 46.35% | 58.08% | 72.17% | 76th pctl | 15 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||