Whittier, CA · Charter 68456
NCUA · 25 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
78
Asset Quality
56
Profitability
81
Liquidity
39
Efficiency
78
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.
Whittier, CA · Charter 68456
NCUA · 25 branches
Q3 2025
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 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.95% | 1.61% | 1.29% | 1.16% | 1.16% | 0.75% | 0.90% | 0.93% | -23 bps | |
| Return on Equity | 8.62% | 16.88% | 12.73% | 11.19% | 9.43% | 6.44% | 7.59% | 7.98% | -321 bps | |
| Net Interest Margin | 2.75% | 2.33% | 2.51% | 2.54% | 2.99% | 2.75% | 3.01% | 3.00% | +46 bps | |
| Efficiency Ratio | 69.13% | 55.23% | 60.29% | 62.49% | 65.24% | 73.37% | 71.81% | 70.91% | +842 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.58% | 28.15% | 14.06% | 17.41% | -2.17% | -2.76% | 3.07% | 6.74% | -1,067 bps | |
| Loan Growth (YoY) | 9.27% | 6.97% | 2.39% | 0.92% | -0.28% | 21.14% | 22.73% | 24.00% | +2,307 bps | |
| Share Growth (YoY) | 8.75% | -0.81% | -4.09% | -2.23% | -1.87% | 22.11% | 24.99% | 31.54% | +3,377 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.66% | 0.62% | 0.57% | 0.55% | 0.63% | 0.53% | 0.50% | 0.53% | -3 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 | 11.06% | 9.52% | 10.14% | 10.34% | 12.34% | 11.71% | 11.80% | 11.62% | +129 bps | |
| Net Worth / Assets | 11.06% | 9.52% | 10.14% | 10.34% | 12.34% | 11.71% | 11.80% | 11.62% | +129 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.15% | 71.66% | 73.33% | 73.80% | 73.32% | 71.09% | 72.01% | 69.57% | -423 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
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
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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.93% | 0.23% | 0.44% | 0.52% | Beats 94% | 1 / 18 | ||
| Return on Equity | 7.98% | 2.16% | 4.02% | 5.46% | Beats 89% | 2 / 18 | ||
| Net Interest Margin | 3.00% | 2.44% | 2.90% | 3.15% | Beats 61% | 7 / 18 | ||
| Efficiency Ratio | 70.91% | 70.91% | 78.90% | 84.27% | Beats 78% | 5 / 18 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.53% | 0.28% | 0.56% | 0.81% | Beats 56% | 9 / 18 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.62% | 9.00% | 10.21% | 11.33% | Beats 78% | 4 / 18 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.62% | 9.00% | 10.21% | 11.33% | Beats 78% | 4 / 18 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 69.57% | 69.57% | 84.93% | 94.52% | 22nd pctl | 14 / 18 | ||
| Loans / Assets | 56.85% | 55.16% | 70.24% | 77.29% | 28th pctl | 13 / 18 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||