San Diego, CA · Charter 68377
NCUA · 7 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
21
Asset Quality
58
Profitability
33
Liquidity
0
Efficiency
38
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 68377
NCUA · 7 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 | 0.09% | 0.11% | 0.43% | 0.17% | 0.30% | +21 bps | |
| Return on Equity | 0.98% | 1.26% | 4.83% | 2.01% | 3.53% | +255 bps | |
| Net Interest Margin | 3.00% | 3.04% | 3.08% | 3.29% | 3.34% | +34 bps | |
| Efficiency Ratio | 96.74% | 94.93% | 86.60% | 87.19% | 83.62% | -1,312 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.77% | 3.04% | 3.25% | 7.41% | 9.90% | +913 bps | |
| Loan Growth (YoY) | 8.12% | 10.33% | 9.89% | 11.05% | 15.47% | +736 bps | |
| Share Growth (YoY) | 1.23% | 0.56% | -1.10% | 1.82% | 3.41% | +217 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.37% | 0.22% | 0.26% | 0.25% | 0.27% | -10 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 | 8.95% | 8.92% | 8.88% | 8.48% | 8.55% | -40 bps | |
| Net Worth / Assets | 8.95% | 8.92% | 8.88% | 8.48% | 8.55% | -40 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 94.12% | 96.93% | 101.38% | 97.68% | 105.11% | +1,098 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
San Diego, CA · Charter 68377 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 7 branches
Q2 2026
Return on Assets
0.30%
Rank 44 of 63
Net Interest Margin
3.34%
Rank 42 of 63
Efficiency Ratio
83.62%
Rank 40 of 63
Equity / Assets
8.55%
Rank 50 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.30% | 0.17% | 0.56% | 1.17% | Beats 30% | 44 / 63 | |
| Return on Equity | 3.53% | 1.81% | 4.79% | 8.64% | Beats 37% | 40 / 63 | |
| Net Interest Margin | 3.34% | 3.18% | 3.49% | 3.98% | Beats 33% | 42 / 63 | |
| Efficiency Ratio | 83.62% | 70.58% | 81.25% | 89.21% | Beats 38% | 40 / 63 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.27% | 0.17% | 0.42% | 0.85% | Beats 58% | 27 / 62 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.55% | 8.61% | 10.56% | 14.01% | Beats 21% | 50 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.55% | 8.61% | 10.56% | 14.01% | Beats 21% | 50 / 63 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 105.11% | 53.46% | 72.75% | 85.33% | 97th pctl | 2 / 62 | |
| Loans / Assets | 85.99% | 46.35% | 58.08% | 72.17% | 97th pctl | 2 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||