Ventura, CA · Charter 68458
NCUA · 9 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 (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
32
Asset Quality
1
Profitability
83
Liquidity
57
Efficiency
72
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.
Ventura, CA · Charter 68458
NCUA · 9 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 | 0.91% | 0.83% | 1.01% | 1.01% | 0.89% | 0.81% | 1.27% | 1.21% | +20 bps | |
| Return on Equity | 9.77% | 8.80% | 10.65% | 10.48% | 9.07% | 8.16% | 12.63% | 11.93% | +145 bps | |
| Net Interest Margin | 3.22% | 3.26% | 3.32% | 3.43% | 3.55% | 3.56% | 3.81% | 3.84% | +41 bps | |
| Efficiency Ratio | 71.59% | 72.30% | 67.44% | 68.31% | 70.55% | 71.66% | 67.88% | 66.38% | -193 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.00% | 4.71% | 5.83% | 2.63% | 1.19% | 1.96% | 1.52% | 2.20% | -43 bps | |
| Loan Growth (YoY) | 8.47% | 8.13% | 6.62% | 7.90% | 7.09% | 7.62% | 7.46% | 4.58% | -332 bps | |
| Share Growth (YoY) | 5.96% | 7.53% | 5.00% | 3.12% | 1.02% | 1.62% | 0.45% | 1.13% | -200 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.94% | 0.50% | 1.39% | 1.91% | 0.46% | 1.78% | 0.99% | 3.17% | +126 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 | 9.30% | 9.43% | 9.51% | 9.61% | 9.83% | 9.88% | 10.06% | 10.14% | +53 bps | |
| Net Worth / Assets | 9.30% | 9.43% | 9.51% | 9.61% | 9.83% | 9.88% | 10.06% | 10.14% | +53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.15% | 73.97% | 72.65% | 75.61% | 77.54% | 78.34% | 77.73% | 78.19% | +258 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Ventura, CA · Charter 68458 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 9 branches
Q2 2026
Return on Assets
1.21%
Rank 84 of 435
Net Interest Margin
3.84%
Rank 86 of 435
Efficiency Ratio
66.38%
Rank 123 of 435
Equity / Assets
10.14%
Rank 294 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.21% | 0.55% | 0.81% | 1.14% | Beats 81% | 84 / 435 | ||
| Return on Equity | 11.93% | 5.12% | 7.41% | 9.70% | Beats 89% | 47 / 435 | ||
| Net Interest Margin | 3.84% | 3.01% | 3.39% | 3.75% | Beats 80% | 86 / 435 | ||
| Efficiency Ratio | 66.38% | 65.25% | 71.39% | 77.86% | Beats 72% | 123 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.17% | 0.45% | 0.69% | 1.05% | Beats 1% | 430 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.14% | 9.81% | 10.84% | 12.63% | Beats 32% | 294 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.14% | 9.81% | 10.84% | 12.63% | Beats 32% | 294 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 78.19% | 78.33% | 88.38% | 95.61% | 24th pctl | 329 / 435 | ||
| Loans / Assets | 69.06% | 67.69% | 74.58% | 80.80% | 30th pctl | 304 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||