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Credit Union of Southern California

Whittier, CA · Charter 68456

NCUA · 25 branches

Q3 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area3

Basis

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.

Peer group

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.

Peer standing

Capital

78

Q2 2024Q3 2025peer median (50)

Asset Quality

56

Q2 2024Q3 2025peer median (50)

Profitability

81

Q2 2024Q3 2025peer median (50)

Liquidity

39

Q2 2024Q3 2025peer median

Efficiency

78

Q2 2024Q3 2025peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Credit Union of Southern California

Whittier, CA · Charter 68456

NCUA · 25 branches

Q3 2025

$3.6BAssets
$2.1BLoans
$3.0BShares
$423.8MNet Worth

Return on Assets (YTD, annualized)

0.93%-23 bps YoY

Net Interest Margin (YTD, annualized)

3.00%+46 bps YoY

Efficiency Ratio (YTD, annualized)

70.91%+842 bps YoY

Net Worth / Assets

11.62%+129 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2023Q1 2024Q2 2024Q3 2024Q4 2024Q1 2025Q2 2025Q3 2025YoY ΔTrend
Return on Assets0.95%1.61%1.29%1.16%1.16%0.75%0.90%0.93%-23 bps
Net Interest Margin2.75%2.33%2.51%2.54%2.99%2.75%3.01%3.00%+46 bps
Asset Growth (YoY)14.58%28.15%14.06%17.41%-2.17%-2.76%3.07%6.74%-1,067 bps
Share Growth (YoY)8.75%-0.81%-4.09%-2.23%-1.87%22.11%24.99%31.54%+3,377 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Risk-Based Capital11.06%9.52%10.14%10.34%12.34%11.71%11.80%11.62%+129 bps
Loans / Shares72.15%71.66%73.33%73.80%73.32%71.09%72.01%69.57%-423 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Credit Union of Southern California

Whittier, CA · Charter 68456 · Peer group: credit unions $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=18)

NCUA · 25 branches

Q3 2025

$3.6BAssets
$2.1BLoans
$3.0BShares
$423.8MNet Worth

Return on Assets

0.93%

Rank 1 of 18

Net Interest Margin

3.00%

Rank 7 of 18

Efficiency Ratio

70.91%

Rank 5 of 18

Equity / Assets

11.62%

Rank 4 of 18

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Return on Assets0.93%0.23%0.44%0.52%Beats 94%1 / 18
Net Interest Margin3.00%2.44%2.90%3.15%Beats 61%7 / 18
Nonperforming Loans / Loans0.53%0.28%0.56%0.81%Beats 56%9 / 18
Tier 1 Capital Ratio11.62%9.00%10.21%11.33%Beats 78%4 / 18
Equity / Assets11.62%9.00%10.21%11.33%Beats 78%4 / 18
Loans / Assets56.85%55.16%70.24%77.29%28th pctl13 / 18