San Diego, CA · Charter 68409
NCUA · 5 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
38
Asset Quality
23
Profitability
53
Liquidity
56
Efficiency
60
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 68409
NCUA · 5 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 | 0.78% | 0.70% | 0.65% | 0.44% | 0.46% | -32 bps | |
| Return on Equity | 8.01% | 7.38% | 6.99% | 4.70% | 4.79% | -322 bps | |
| Net Interest Margin | 3.33% | 3.34% | 3.28% | 3.86% | 3.95% | +62 bps | |
| Efficiency Ratio | 72.56% | 73.93% | 74.13% | 82.19% | 76.98% | +442 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 28.71% | 32.88% | 41.50% | 12.62% | 8.97% | -1,975 bps | |
| Loan Growth (YoY) | 30.76% | 39.19% | 54.49% | 47.94% | 37.85% | +709 bps | |
| Share Growth (YoY) | 30.97% | 36.43% | 41.83% | 12.62% | 8.64% | -2,233 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.29% | 0.41% | 0.75% | 0.66% | 0.92% | +63 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 | 9.71% | 9.54% | 9.24% | 9.33% | 9.49% | -22 bps | |
| Net Worth / Assets | 9.71% | 9.54% | 9.24% | 9.33% | 9.49% | -22 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 63.62% | 65.59% | 72.87% | 78.49% | 80.73% | +1,710 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
San Diego, CA · Charter 68409 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 5 branches
Q2 2026
Return on Assets
0.46%
Rank 38 of 63
Net Interest Margin
3.95%
Rank 19 of 63
Efficiency Ratio
76.97%
Rank 26 of 63
Equity / Assets
9.49%
Rank 39 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.46% | 0.17% | 0.56% | 1.17% | Beats 40% | 38 / 63 | |
| Return on Equity | 4.79% | 1.81% | 4.79% | 8.64% | Beats 49% | 32 / 63 | |
| Net Interest Margin | 3.95% | 3.18% | 3.49% | 3.98% | Beats 70% | 19 / 63 | |
| Efficiency Ratio | 76.97% | 70.58% | 81.25% | 89.21% | Beats 60% | 26 / 63 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.92% | 0.17% | 0.42% | 0.85% | Beats 23% | 49 / 62 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.49% | 8.61% | 10.56% | 14.01% | Beats 38% | 39 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.49% | 8.61% | 10.56% | 14.01% | Beats 38% | 39 / 63 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 80.73% | 53.46% | 72.75% | 85.33% | 68th pctl | 20 / 62 | |
| Loans / Assets | 71.96% | 46.35% | 58.08% | 72.17% | 70th pctl | 19 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||