Pasadena, CA · Charter 68503
NCUA · 8 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
65
Asset Quality
44
Profitability
47
Liquidity
100
Efficiency
60
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.
Pasadena, CA · Charter 68503
NCUA · 8 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 | 0.53% | 0.47% | 0.28% | 0.40% | 0.34% | 0.35% | 0.41% | 0.44% | +4 bps | |
| Return on Equity | 3.94% | 3.40% | 2.08% | 2.94% | 2.54% | 2.59% | 3.07% | 3.24% | +30 bps | |
| Net Interest Margin | 2.90% | 3.00% | 2.91% | 3.03% | 3.11% | 3.14% | 3.24% | 3.31% | +29 bps | |
| Efficiency Ratio | 76.17% | 76.16% | 83.05% | 81.46% | 81.42% | 81.97% | 78.54% | 80.19% | -127 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.56% | -2.01% | 1.64% | 4.71% | 2.15% | 5.52% | 2.72% | 1.85% | -286 bps | |
| Loan Growth (YoY) | 1.69% | 6.11% | 6.75% | 6.75% | 11.54% | 7.33% | 10.66% | 11.57% | +481 bps | |
| Share Growth (YoY) | 0.26% | 0.55% | 4.24% | 3.99% | 1.63% | 4.11% | 1.34% | 0.87% | -312 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.70% | 0.58% | 0.48% | 0.61% | 0.32% | 0.42% | 0.56% | 0.58% | -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 | 13.54% | 13.87% | 13.35% | 13.42% | 13.54% | 13.46% | 13.35% | 13.52% | +10 bps | |
| Net Worth / Assets | 13.54% | 13.87% | 13.35% | 13.42% | 13.54% | 13.46% | 13.35% | 13.52% | +10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.40% | 53.62% | 51.17% | 51.52% | 55.32% | 55.28% | 55.88% | 56.99% | +547 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Pasadena, CA · Charter 68503 · Peer group: credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=62)
NCUA · 8 branches
Q2 2026
Return on Assets
0.44%
Rank 34 of 62
Net Interest Margin
3.31%
Rank 31 of 62
Efficiency Ratio
80.19%
Rank 26 of 62
Equity / Assets
13.52%
Rank 22 of 62
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.44% | 0.01% | 0.47% | 0.92% | Beats 45% | 34 / 62 | ||
| Return on Equity | 3.24% | 0.18% | 3.35% | 5.66% | Beats 45% | 34 / 62 | ||
| Net Interest Margin | 3.31% | 2.88% | 3.31% | 3.93% | Beats 50% | 31 / 62 | ||
| Efficiency Ratio | 80.19% | 71.17% | 84.14% | 92.47% | Beats 60% | 26 / 62 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.58% | 0.22% | 0.52% | 0.99% | Beats 44% | 36 / 62 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.52% | 9.30% | 12.20% | 16.33% | Beats 65% | 22 / 62 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.52% | 9.30% | 12.20% | 16.33% | Beats 65% | 22 / 62 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 56.99% | 48.69% | 57.00% | 84.55% | 48th pctl | 32 / 62 | ||
| Loans / Assets | 49.04% | 42.93% | 53.05% | 69.62% | 44th pctl | 35 / 62 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||