Los Alamitos, CA · Charter 68415
NCUA · 10 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 $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=19). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Trailing 9 quarters, through Q2 2026
Capital
5
Asset Quality
5
Profitability
39
Liquidity
97
Efficiency
42
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is a stronger peer standing, and the peer median is fixed at 50. Liquidity, Growth: closeness to the peer median, 100 at the median.
Los Alamitos, CA · Charter 68415
NCUA · 10 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 | -0.06% | -0.32% | -0.14% | 0.03% | 0.16% | 0.18% | 0.46% | 0.32% | +29 bps | |
| Return on Equity | -0.75% | -4.01% | -1.70% | 0.36% | 1.91% | 2.21% | 5.40% | 3.79% | +343 bps | |
| Net Interest Margin | 2.75% | 2.73% | 2.91% | 2.97% | 2.98% | 2.92% | 3.13% | 3.12% | +15 bps | |
| Efficiency Ratio | 84.06% | 86.95% | 83.70% | 83.84% | 81.45% | 81.06% | 78.69% | 79.35% | -449 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.31% | 9.81% | 8.91% | 3.77% | 3.61% | 4.27% | 1.57% | 3.21% | -57 bps | |
| Loan Growth (YoY) | 13.28% | 12.39% | 10.36% | 3.38% | 1.43% | 2.75% | 5.03% | -2.96% | -634 bps | |
| Share Growth (YoY) | 10.17% | 11.18% | 10.26% | 5.12% | 5.15% | 4.90% | -3.31% | -4.01% | -913 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.49% | 0.55% | 0.59% | 1.18% | 0.95% | 0.79% | 0.49% | 1.48% | +29 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 | 8.51% | 7.97% | 8.46% | 8.54% | 8.55% | 8.30% | 8.56% | 8.51% | -3 bps | |
| Net Worth / Assets | 8.51% | 7.97% | 8.46% | 8.54% | 8.55% | 8.30% | 8.56% | 8.51% | -3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.48% | 81.81% | 80.10% | 81.81% | 81.50% | 80.14% | 87.00% | 82.71% | +90 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Los Alamitos, CA · Charter 68415 · Peer group: credit unions $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=19)
NCUA · 10 branches
Q2 2026
Return on Assets
0.32%
Rank 14 of 19
Net Interest Margin
3.12%
Rank 8 of 19
Efficiency Ratio
79.35%
Rank 12 of 19
Equity / Assets
8.51%
Rank 18 of 19
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.32% | 0.27% | 0.60% | 1.02% | Beats 26% | 14 / 19 | ||
| Return on Equity | 3.79% | 2.40% | 5.67% | 8.40% | Beats 32% | 13 / 19 | ||
| Net Interest Margin | 3.12% | 2.65% | 2.97% | 3.42% | Beats 58% | 8 / 19 | ||
| Efficiency Ratio | 79.35% | 64.19% | 77.39% | 85.63% | Beats 42% | 12 / 19 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.48% | 0.44% | 0.61% | 0.87% | Beats 5% | 19 / 19 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.51% | 9.41% | 10.19% | 11.40% | Beats 5% | 18 / 19 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.51% | 9.41% | 10.19% | 11.40% | Beats 5% | 18 / 19 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 82.71% | 69.76% | 83.28% | 94.64% | 42nd pctl | 11 / 19 | ||
| Loans / Assets | 66.48% | 53.33% | 68.68% | 78.95% | 37th pctl | 12 / 19 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||