Santa Ana, CA · Charter 68416
NCUA · 12 branches
Q3 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2025, the quarter ended September 30, 2025, 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=18). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
61
Asset Quality
50
Profitability
81
Liquidity
22
Efficiency
89
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.
Santa Ana, CA · Charter 68416
NCUA · 12 branches
Q3 2025
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.47% | 0.48% | 0.69% | 0.77% | 0.83% | +37 bps | |
| Return on Equity | 4.60% | 4.67% | 6.72% | 7.44% | 7.98% | +339 bps | |
| Net Interest Margin | 2.54% | 2.58% | 2.95% | 3.02% | 3.04% | +50 bps | |
| Efficiency Ratio | 78.22% | 77.39% | 66.92% | 66.75% | 67.66% | -1,056 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.28% | 5.97% | 4.17% | 3.96% | 5.00% | -227 bps | |
| Loan Growth (YoY) | 6.05% | 7.69% | 10.15% | 11.82% | 9.37% | +332 bps | |
| Share Growth (YoY) | 7.76% | 6.33% | 5.22% | 4.25% | 5.61% | -215 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.50% | 0.52% | 0.40% | 0.55% | 0.56% | +6 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 | 10.17% | 10.26% | 10.24% | 10.35% | 10.43% | +26 bps | |
| Net Worth / Assets | 10.17% | 10.26% | 10.24% | 10.35% | 10.43% | +26 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 89.79% | 91.01% | 91.46% | 93.62% | 92.99% | +320 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Santa Ana, CA · Charter 68416 · Peer group: credit unions $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=18)
NCUA · 12 branches
Q3 2025
Return on Assets
0.83%
Rank 3 of 18
Net Interest Margin
3.04%
Rank 6 of 18
Efficiency Ratio
67.66%
Rank 3 of 18
Equity / Assets
10.43%
Rank 7 of 18
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.83% | 0.23% | 0.44% | 0.52% | Beats 83% | 3 / 18 | |
| Return on Equity | 7.98% | 2.16% | 4.02% | 5.46% | Beats 94% | 1 / 18 | |
| Net Interest Margin | 3.04% | 2.44% | 2.90% | 3.15% | Beats 67% | 6 / 18 | |
| Efficiency Ratio | 67.66% | 70.91% | 78.90% | 84.27% | Beats 89% | 3 / 18 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.56% | 0.28% | 0.56% | 0.81% | Beats 50% | 10 / 18 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.43% | 9.00% | 10.21% | 11.33% | Beats 61% | 7 / 18 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.43% | 9.00% | 10.21% | 11.33% | Beats 61% | 7 / 18 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 92.99% | 69.57% | 84.93% | 94.52% | 61st pctl | 7 / 18 | |
| Loans / Assets | 77.29% | 55.16% | 70.24% | 77.29% | 72nd pctl | 5 / 18 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||