Oceanside, CA · Charter 68494
NCUA · 13 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
13
Asset Quality
39
Profitability
56
Liquidity
88
Efficiency
30
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.
Oceanside, CA · Charter 68494
NCUA · 13 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 | 0.47% | 0.52% | 0.34% | 0.55% | 0.59% | 0.63% | 0.83% | 0.88% | +33 bps | |
| Return on Equity | 4.97% | 5.14% | 3.53% | 5.60% | 6.06% | 7.05% | 9.42% | 9.64% | +405 bps | |
| Net Interest Margin | 2.35% | 2.50% | 2.48% | 2.59% | 2.56% | 2.52% | 3.15% | 3.21% | +62 bps | |
| Efficiency Ratio | 80.90% | 80.16% | 79.79% | 77.58% | 77.59% | 76.94% | 76.73% | 76.36% | -122 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.27% | -1.50% | -4.23% | -3.85% | 1.95% | 20.67% | 19.77% | 18.53% | +2,238 bps | |
| Loan Growth (YoY) | 1.16% | 1.72% | 2.23% | 0.13% | -1.01% | 26.87% | 27.52% | 28.35% | +2,822 bps | |
| Share Growth (YoY) | -7.92% | -7.78% | -4.10% | -3.82% | 3.19% | 30.10% | 24.85% | 24.34% | +2,816 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.59% | 0.41% | 0.36% | 0.40% | 0.38% | 0.50% | 0.29% | 0.81% | +41 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 | 9.39% | 10.03% | 9.67% | 9.89% | 9.76% | 8.91% | 8.79% | 9.13% | -75 bps | |
| Net Worth / Assets | 9.39% | 10.03% | 9.67% | 9.89% | 9.76% | 8.91% | 8.79% | 9.13% | -75 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.30% | 86.54% | 82.05% | 82.88% | 81.83% | 84.39% | 83.80% | 85.54% | +267 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Oceanside, CA · Charter 68494 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 13 branches
Q2 2026
Return on Assets
0.88%
Rank 187 of 435
Net Interest Margin
3.21%
Rank 271 of 435
Efficiency Ratio
76.36%
Rank 306 of 435
Equity / Assets
9.13%
Rank 379 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.88% | 0.55% | 0.81% | 1.14% | Beats 57% | 187 / 435 | ||
| Return on Equity | 9.64% | 5.12% | 7.41% | 9.70% | Beats 74% | 111 / 435 | ||
| Net Interest Margin | 3.21% | 3.01% | 3.39% | 3.75% | Beats 38% | 271 / 435 | ||
| Efficiency Ratio | 76.36% | 65.25% | 71.39% | 77.86% | Beats 30% | 306 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.81% | 0.45% | 0.69% | 1.05% | Beats 39% | 265 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.13% | 9.81% | 10.84% | 12.63% | Beats 13% | 379 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.13% | 9.81% | 10.84% | 12.63% | Beats 13% | 379 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 85.54% | 78.33% | 88.38% | 95.61% | 43rd pctl | 248 / 435 | ||
| Loans / Assets | 69.64% | 67.69% | 74.58% | 80.80% | 32nd pctl | 294 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||