Los Angeles, CA · Charter 68459
NCUA · 5 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 under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=62). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
35
Asset Quality
37
Profitability
58
Liquidity
0
Efficiency
65
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.
Los Angeles, CA · Charter 68459
NCUA · 5 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 | 0.27% | 0.20% | 0.12% | 0.26% | 0.30% | 0.31% | 0.55% | 0.48% | +22 bps | |
| Return on Equity | 2.72% | 1.85% | 1.11% | 2.50% | 2.92% | 3.01% | 5.29% | 4.84% | +234 bps | |
| Net Interest Margin | 3.06% | 3.25% | 3.18% | 3.24% | 3.27% | 3.31% | 3.69% | 3.58% | +34 bps | |
| Efficiency Ratio | 84.17% | 85.63% | 87.92% | 82.83% | 83.31% | 81.99% | 77.01% | 77.13% | -570 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.32% | -9.30% | -4.58% | -4.57% | -3.96% | 2.91% | 1.92% | 5.46% | +1,002 bps | |
| Loan Growth (YoY) | -1.07% | 1.72% | -0.45% | 4.35% | 3.14% | 4.83% | 7.56% | 12.11% | +776 bps | |
| Share Growth (YoY) | -3.09% | -2.26% | -0.66% | -0.53% | 0.66% | 1.77% | 1.30% | 3.14% | +367 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.60% | 0.69% | 0.69% | 1.08% | 0.80% | 0.78% | 0.70% | 0.73% | -36 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 | 9.97% | 10.57% | 10.43% | 10.39% | 10.29% | 10.30% | 10.36% | 10.00% | -39 bps | |
| Net Worth / Assets | 9.97% | 10.57% | 10.43% | 10.39% | 10.29% | 10.30% | 10.36% | 10.00% | -39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.61% | 86.46% | 84.04% | 86.87% | 85.67% | 89.06% | 89.24% | 94.43% | +756 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 99.68% | 0.00% | 0.00% | 0.00% | 0.00% | -9,968 bps | |
Los Angeles, CA · Charter 68459 · Peer group: credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=62)
NCUA · 5 branches
Q2 2026
Return on Assets
0.48%
Rank 29 of 62
Net Interest Margin
3.58%
Rank 24 of 62
Efficiency Ratio
77.14%
Rank 23 of 62
Equity / Assets
10.00%
Rank 40 of 62
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.48% | 0.01% | 0.47% | 0.92% | Beats 53% | 29 / 62 | ||
| Return on Equity | 4.84% | 0.18% | 3.35% | 5.66% | Beats 61% | 24 / 62 | ||
| Net Interest Margin | 3.58% | 2.88% | 3.31% | 3.93% | Beats 61% | 24 / 62 | ||
| Efficiency Ratio | 77.14% | 71.17% | 84.14% | 92.47% | Beats 65% | 23 / 62 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.73% | 0.22% | 0.52% | 0.99% | Beats 37% | 40 / 62 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.00% | 9.30% | 12.20% | 16.33% | Beats 35% | 40 / 62 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.00% | 9.30% | 12.20% | 16.33% | Beats 35% | 40 / 62 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 94.43% | 48.69% | 57.00% | 84.55% | 92nd pctl | 5 / 62 | ||
| Loans / Assets | 81.32% | 42.93% | 53.05% | 69.62% | 94th pctl | 4 / 62 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||