Downey, CA · Charter 68457
NCUA · 15 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.
Capital
26
Asset Quality
42
Profitability
54
Liquidity
53
Efficiency
58
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.
Downey, CA · Charter 68457
NCUA · 15 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 | 0.09% | 0.23% | 0.27% | 0.75% | 0.85% | +76 bps | |
| Return on Equity | 1.04% | 2.50% | 3.00% | 8.29% | 8.99% | +795 bps | |
| Net Interest Margin | 2.34% | 2.53% | 2.53% | 2.66% | 2.65% | +30 bps | |
| Efficiency Ratio | 89.94% | 86.97% | 84.58% | 74.79% | 73.95% | -1,598 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.28% | -0.94% | -0.17% | -0.96% | -2.96% | -424 bps | |
| Loan Growth (YoY) | -2.29% | -5.41% | -2.45% | -3.37% | -9.82% | -753 bps | |
| Share Growth (YoY) | -2.71% | -9.81% | -8.52% | -5.36% | -1.92% | +80 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.24% | 0.26% | 0.67% | 0.82% | 0.70% | +46 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 | 8.76% | 9.03% | 8.88% | 9.03% | 9.50% | +74 bps | |
| Net Worth / Assets | 8.76% | 9.03% | 8.88% | 9.03% | 9.50% | +74 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 97.90% | 94.52% | 94.28% | 92.02% | 90.02% | -789 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Downey, CA · Charter 68457 · Peer group: credit unions $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=19)
NCUA · 15 branches
Q2 2026
Return on Assets
0.85%
Rank 7 of 19
Net Interest Margin
2.65%
Rank 15 of 19
Efficiency Ratio
73.95%
Rank 9 of 19
Equity / Assets
9.50%
Rank 14 of 19
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.85% | 0.27% | 0.60% | 1.02% | Beats 63% | 7 / 19 | |
| Return on Equity | 8.99% | 2.40% | 5.67% | 8.40% | Beats 79% | 4 / 19 | |
| Net Interest Margin | 2.65% | 2.65% | 2.97% | 3.42% | Beats 21% | 15 / 19 | |
| Efficiency Ratio | 73.95% | 64.19% | 77.39% | 85.63% | Beats 58% | 9 / 19 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.70% | 0.44% | 0.61% | 0.87% | Beats 42% | 12 / 19 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.50% | 9.41% | 10.19% | 11.40% | Beats 26% | 14 / 19 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.50% | 9.41% | 10.19% | 11.40% | Beats 26% | 14 / 19 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 90.02% | 69.76% | 83.28% | 94.64% | 63rd pctl | 7 / 19 | |
| Loans / Assets | 72.23% | 53.33% | 68.68% | 78.95% | 58th pctl | 8 / 19 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||